BlastPoint's Banking Scorecard
First State Bank
Loomis, NE
4 branches across NE
First State Bank shows strong momentum with 4 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 1.2% in tier
- + Deposit Franchise: Top 56.6% in tier
- + Efficiency Ratio 33.64% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.3M
+5.6% YoY
-1.3% QoQ
|
-$158.8M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$168.7M
+8.2% YoY
+2.6% QoQ
|
-$87.1M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$194.8M
+4.6% YoY
-2.1% QoQ
|
-$133.2M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
33% |
| Return on Assets ? |
3.17%
+108.7% YoY
+95.7% QoQ
|
+1.90% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Top 1.5% in tier |
| Net Interest Margin ? |
6.26%
+62.9% YoY
+55.1% QoQ
|
+2.33% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Top 1.1% in tier |
| Efficiency Ratio ? |
31.65%
-36.4% YoY
-34.7% QoQ
|
-33.64% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
0.05%
-77.6% YoY
-70.2% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
86.59%
+3.5% YoY
+4.9% QoQ
|
+9.95% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
28.55%
-0.4% YoY
-3.2% QoQ
|
+6.53% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.04%
-77.1% YoY
-69.0% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
13.95%
+8.5% YoY
+5.8% QoQ
|
-1.88% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.07%
+0.7% YoY
-73.8% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.