BlastPoint's Banking Scorecard
FirsTier Bank
Designations: ✓ Community bank
Kimball, NE
12 branches across CO · NE · WY
FirsTier Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.0% in tier
- - Margin Compression: Bottom 4.8% in tier
- - Delinquency Rate 6.05% above tier average
- - Nonperforming Asset Ratio 6.60% above tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+14.8% YoY
+3.0% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.9% in tier |
| Total Loans ? |
$780.3M
+2.7% YoY
+1.4% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.2% in tier |
| Total Deposits ? |
$949.7M
+16.2% YoY
+3.3% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.3% in tier |
| Return on Assets ? |
0.75%
-43.3% YoY
+122.6% QoQ
|
-0.61% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
3.38%
-14.7% YoY
-12.6% QoQ
|
-0.44% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
88.71%
+45.0% YoY
+30.5% QoQ
|
+27.65% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Bottom 3.5% in tier |
| Delinquency Rate ? |
6.94%
+66.7% YoY
+43.7% QoQ
|
+6.05% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.3% in tier |
| Loan-to-Deposit Ratio ? |
82.16%
-11.7% YoY
-1.9% QoQ
|
-2.04% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
10.57%
-14.2% YoY
-7.3% QoQ
|
-10.72% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.0% in tier |
| Nonperforming Asset Ratio ? |
7.27%
+104.9% YoY
+15.3% QoQ
|
+6.60% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.14%
-9.5% YoY
+2.3% QoQ
|
-2.02% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
+59.3% YoY
-80.1% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.5% in tier |
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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 (0)
Concerns (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.