BlastPoint's Banking Scorecard

BankFirst

$1B-$10B Specialty: Agricultural NE FDIC cert 20130

Designations: ✓ Community bank

Norfolk, NE

14 branches across NE · IA

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

BankFirst 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

+ Efficiency Ratio 24.56% below tier average
+ ROA 0.56% above tier average
+ Net Interest Margin 0.46% above tier average
+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15.0% in tier
- Liquidity Overhang: Bottom 25.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.2B +9.3% YoY +0.1% QoQ	-$1.6B	$2.8B -0.1% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$717.0M +0.9% YoY -1.5% QoQ	-$1.2B	$2.0B +0.6% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Bottom 8.6% in tier
Total Deposits ?	$750.3M +2.3% YoY +1.5% QoQ	-$1.6B	$2.3B -0.3% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 1.2% in tier
Return on Assets ?	1.93% +6.0% YoY -5.9% QoQ	+0.56%	1.37% +19.6% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	Top 12.0% in tier
Net Interest Margin ?	4.28% +6.1% YoY +1.6% QoQ	+0.46%	3.82% +6.9% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	36.50% -5.4% YoY +2.0% QoQ	-24.56%	61.06% -4.6% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 5.1% in tier
Delinquency Rate ?	0.70% -73.5% YoY -51.7% QoQ	-0.19%	0.89% +14.1% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	95.57% -1.4% YoY -2.9% QoQ	+11.37%	84.20% +0.3% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	12.09% +2.7% YoY +3.4% QoQ	-9.20%	21.29% -2.5% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.42% -75.6% YoY -52.5% QoQ	-0.26%	0.67% +15.6% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	19.26% +7.0% YoY +3.6% QoQ	+4.10%	15.16% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Top 8.8% in tier
Non-Interest Income / Assets ?	0.08% -0.1% YoY -77.6% QoQ	-0.18%	0.26% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	23%

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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 (2)

Liquidity Strain

risk

#51 of 334 • Bottom 15.0% 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: 95.57%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#45 of 174 • Bottom 25.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.26%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.57%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 36.50%

Peer Median: 61.06%

#46 of 884 Top 5.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 19.26%

Peer Median: 15.16%

#79 of 884 Top 8.8% in $1B-$10B

107

Return on Assets

profitability

Value: 1.93%

Peer Median: 1.37%

#107 of 884 Top 12.0% in $1B-$10B

159

Net Interest Margin

profitability

Value: 4.28%

Peer Median: 3.82%

#159 of 884 Top 17.9% in $1B-$10B

Top Weaknesses (6 metrics)

874

Total Deposits

size

Value: $750.26M

Peer Median: $2.34B

#874 of 884 Bottom 1.2% in $1B-$10B

809

Total Loans

size

Value: $717.05M

Peer Median: $1.96B

#809 of 884 Bottom 8.6% in $1B-$10B

736

Non-Interest-Bearing Deposit Share

funding

Value: 12.09%

Peer Median: 21.29%

#736 of 884 Bottom 16.9% in $1B-$10B

734

Total Assets

size

Value: $1.20B

Peer Median: $2.82B

#734 of 884 Bottom 17.1% in $1B-$10B

683

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.26%

#683 of 884 Bottom 22.9% in $1B-$10B

681

Loan-to-Deposit Ratio

liquidity

Value: 95.57%

Peer Median: 84.20%

#681 of 884 Bottom 23.1% in $1B-$10B