BlastPoint's Banking Scorecard

First State Bank

under $100M Specialty: Agricultural NE FDIC cert 15364

Designations: ✓ Community bank

Randolph, NE

541 banks in the under $100M peer group nationally 35 in NE

First State Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.61% above tier average
+ Efficiency Ratio 29.08% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 50.24% above tier average
- Net Interest Margin 0.64% below tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$88.1M +14.0% YoY +10.7% QoQ	+$25.9M	$62.2M -0.6% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$62.5M +17.9% YoY +12.1% QoQ	+$28.2M	$34.2M -1.4% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Top 10.0% in tier
Total Deposits ?	$54.6M -0.1% YoY -4.1% QoQ	+$2.8M	$51.7M -0.7% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	1.45% -5.9% YoY +0.0% QoQ	+0.61%	0.84% -2.3% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	3.22% -5.6% YoY -8.4% QoQ	-0.64%	3.86% +2.8% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	59.26% +3.3% YoY -1.0% QoQ	-29.08%	88.34% +0.3% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	75%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	114.46% +18.0% YoY +16.9% QoQ	+50.24%	64.22% -0.7% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Bottom 2.6% in tier
Non-Interest-Bearing Deposit Share ?	14.15% +28.4% YoY -2.6% QoQ	-9.56%	23.71% +0.3% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.04% -7.2% YoY -7.3% QoQ	-15.64%	26.68% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 12.9% in tier
Non-Interest Income / Assets ?	0.09% -22.2% YoY -73.2% QoQ	-0.58%	0.67% +1.9% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	66%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Loans

size

Value: $62.47M

Peer Median: $34.25M

#55 of 541 Top 10.0% in under $100M

Total Assets

size

Value: $88.06M

Peer Median: $62.16M

#89 of 541 Top 16.3% in under $100M

135

Return on Assets

profitability

Value: 1.45%

Peer Median: 0.84%

#135 of 541 Top 24.8% in under $100M

Top Weaknesses (4 metrics)

528

Loan-to-Deposit Ratio

liquidity

Value: 114.46%

Peer Median: 64.22%

#528 of 541 Bottom 2.6% in under $100M

472

Tier 1 Capital Ratio

capital

Value: 11.04%

Peer Median: 26.68%

#472 of 541 Bottom 12.9% in under $100M

429

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.86%

#429 of 541 Bottom 20.9% in under $100M

427

Non-Interest-Bearing Deposit Share

funding

Value: 14.15%

Peer Median: 23.71%

#427 of 541 Bottom 21.3% in under $100M