BlastPoint's Banking Scorecard

FirsTier Bank

$1B-$10B Specialty: Commercial NE FDIC cert 17478

Designations: ✓ Community bank

Kimball, NE

12 branches across CO · NE · WY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
Deposits -1.2% year over year ($883.2M on the books).
Delinquency rate 4.60%.
Return on assets 0.77%.
Efficiency ratio 81.84% vs a 59.73% peer average.
Loan-to-deposit ratio 90.78% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE

View $1B-$10B leaderboard (NE) →

FirsTier Bank faces 7 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 1.2% in tier
- Efficiency Drag: Bottom 3.3% in tier
- Liquidity Strain: Bottom 8.3% in tier
- Flatlined Growth: Bottom 16.7% in tier
- Delinquency Rate 3.73% above tier average
- Nonperforming Asset Ratio 5.31% above tier average
- Net Interest Margin 0.34% below tier average

Get updates when FirsTier Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.0B +0.1% YoY -6.0% QoQ	-$1.7B	$2.8B -0.6% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	Bottom 4.4% in tier
Total Loans ?	$801.8M +1.7% YoY +2.8% QoQ	-$1.2B	$2.0B -0.3% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	Bottom 14.8% in tier
Total Deposits ?	$883.2M -1.2% YoY -7.0% QoQ	-$1.4B	$2.3B -0.5% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 5.8% in tier
Return on Assets ?	0.77% -38.0% YoY +1.7% QoQ	-0.62%	1.39% +17.0% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.53% -11.2% YoY +4.6% QoQ	-0.34%	3.87% +6.2% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	39%
Efficiency Ratio ?	81.84% +33.6% YoY -7.7% QoQ	+22.12%	59.73% -12.6% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Bottom 5.6% in tier
Delinquency Rate ?	4.60% +29.1% YoY -33.8% QoQ	+3.73%	0.87% +11.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Bottom 1.1% in tier
Loan-to-Deposit Ratio ?	90.78% +3.0% YoY +10.5% QoQ	+5.75%	85.04% -0.1% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	11.77% +3.5% YoY +11.4% QoQ	-9.50%	21.27% -1.5% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	5.98% +94.4% YoY -17.7% QoQ	+5.31%	0.67% +11.7% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Bottom 0.2% in tier
Tier 1 Capital Ratio ?	13.34% -1.4% YoY +1.5% QoQ	-1.50%	14.84% -0.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.11% +98.9% YoY +143.4% QoQ	-0.42%	0.53% +2.5% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Bottom 11.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Noninterest-Bearing	11.8% +0.4pp YoY +1.2pp QoQ	-9.6pp	21.4%	17.6%	22.2%	15%
Brokered Deposits	n/a	n/a	9.5%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	9.9% +2.0pp YoY +1.3pp QoQ	-4.1pp	14.0%	12.3%	12.5%	44%
CRE	67.9% +2.8pp YoY +0.4pp QoQ	+17.9pp	50.0%	32.3%	41.4%	86%
1-4 Family	14.0% -3.0pp YoY -0.9pp QoQ	-12.5pp	26.4%	16.9%	31.3%	27%
Consumer	1.0% -0.1pp YoY 0.0pp QoQ	-3.7pp	4.7%	3.1%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	13.3% -0.2pp YoY +0.2pp QoQ	-2.3pp	15.6%	16.1%	19.7%	47%
Leverage Ratio	11.4% -0.8pp YoY +0.3pp QoQ	+0.1pp	11.3%	12.1%	12.6%	68%
Total Capital Ratio	14.6% -0.2pp YoY +0.2pp QoQ	-2.1pp	16.7%	17.3%	20.8%	48%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	147 +13 (+9.7%) YoY -3 (-2.0%) QoQ	-167	313	98	482	21%
Assets per Employee ($)	$7.1M -8.7% YoY -4.1% QoQ	-$3.4M	$10.5M	$8.5M	$8.8M	25%
Branch Count	12 +2 (+20.0%) YoY 0 QoQ	-8	20	7	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY -2.1pp QoQ	0.0pp	0.2%	0.4%	0.4%	83%
Nonaccrual	4.5% +0.9pp YoY -0.3pp QoQ	+3.7pp	0.8%	0.8%	1.0%	99%
Allowance Coverage	0.41x -7.8% YoY +50.0% QoQ	-18.30x	18.71x	31.69x	20.23x	5%
Net Charge-off Rate (YTD)	-0.0% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	6.8% -2.9pp YoY 0.0pp QoQ	-5.8pp	12.6%	12.3%	11.6%	14%
Cost of Funds (YTD)	2.9% -0.1pp YoY 0.0pp QoQ	+1.0pp	1.9%	1.9%	1.7%	95%
Net Income ($, YTD)	$4.2M -31.4% YoY — QoQ	-$15.1M	$19.2M	$6.1M	$40.4M	8%

Get Full Access to FirsTier Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (4)

Margin Compression

decline

#2 of 85 • Bottom 1.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.77%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

85 of 85 Mid-Market banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#3 of 60 • Bottom 3.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.84%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Liquidity Strain

risk

#31 of 361 • Bottom 8.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.78%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Flatlined Growth

risk

#28 of 162 • Bottom 16.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.77%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

884

Nonperforming Asset Ratio

credit_quality

Value: 5.98%

Peer Median: 0.67%

#884 of 885 Bottom 0.2% in $1B-$10B

873

Delinquency Rate

credit_quality

Value: 4.60%

Peer Median: 0.87%

#873 of 882 Bottom 1.1% in $1B-$10B

847

Total Assets

size

Value: $1.05B

Peer Median: $2.79B

#847 of 885 Bottom 4.4% in $1B-$10B

836

Efficiency Ratio

profitability

Value: 81.84%

Peer Median: 59.73%

#836 of 885 Bottom 5.6% in $1B-$10B

835

Total Deposits

size

Value: $883.20M

Peer Median: $2.32B

#835 of 885 Bottom 5.8% in $1B-$10B

787

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.53%

#787 of 885 Bottom 11.2% in $1B-$10B

755

Total Loans

size

Value: $801.81M

Peer Median: $1.96B

#755 of 885 Bottom 14.8% in $1B-$10B

746

Non-Interest-Bearing Deposit Share

funding

Value: 11.77%

Peer Median: 21.27%

#746 of 885 Bottom 15.8% in $1B-$10B

736

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.39%

#736 of 885 Bottom 16.9% in $1B-$10B