BlastPoint's Banking Scorecard
Lincoln FSB of Nebraska
Lincoln, NE
13 branches across NE
Lincoln FSB of Nebraska has 2 strengths but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 36.6% in tier
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 27.7% in tier
- - Credit Risk Growth: Bottom 40.5% in tier
- - Credit Quality Pressure: Bottom 40.8% in tier
- - Deposit Outflow: Bottom 45.9% in tier
- - Net Interest Margin 1.55% below tier average
- - Efficiency Ratio 25.65% above tier average
- - Non-Interest-Bearing Deposit Share 15.82% below tier average
- - ROA 0.85% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$384.5M
+4.0% YoY
-0.8% QoQ
|
-$1.6M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$291.1M
+8.1% YoY
-3.4% QoQ
|
+$35.4M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$324.5M
-1.2% YoY
+0.8% QoQ
|
-$3.4M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.41%
+275.5% YoY
+168.5% QoQ
|
-0.85% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.9% in tier |
| Net Interest Margin ? |
2.38%
+43.7% YoY
+18.8% QoQ
|
-1.55% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 2.4% in tier |
| Efficiency Ratio ? |
90.94%
-16.6% YoY
-0.1% QoQ
|
+25.65% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate ? |
0.55%
+84.5% YoY
+14.8% QoQ
|
-0.34% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
89.71%
+9.4% YoY
-4.1% QoQ
|
+13.07% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
6.20%
-14.1% YoY
-6.9% QoQ
|
-15.82% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+91.7% YoY
+11.9% QoQ
|
-0.23% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
43% |
| Tier 1 Capital Ratio ? |
18.61%
-8.1% YoY
+1.2% QoQ
|
+2.78% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.40%
+15.1% YoY
-75.4% QoQ
|
+0.12% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Top 4.5% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.