BlastPoint's Banking Scorecard

First Central Bank McCook

$100M-$1B Specialty: Agricultural NE FDIC cert 34995

Mccook, NE

2 branches across NE

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits -0.6% year over year ($105.8M on the books).
Delinquency rate 5.90%.
Return on assets 0.66%.
Efficiency ratio 77.00% vs a 64.48% peer average.
Loan-to-deposit ratio 93.72% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

First Central Bank McCook faces 5 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

- Delinquency Rate 4.98% above tier average
- Nonperforming Asset Ratio 4.09% above tier average
- Non-Interest Income / Assets 0.50% below tier average
- ROA 0.67% below tier average
- Efficiency Ratio 12.52% above tier average

Get updates when First Central Bank McCook releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$122.8M -2.8% YoY -1.7% QoQ	-$263.8M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	Bottom 6.5% in tier
Total Loans ?	$99.1M +11.4% YoY +16.6% QoQ	-$159.2M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$105.8M -0.6% YoY -0.8% QoQ	-$221.0M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 7.3% in tier
Return on Assets ?	0.66% +394.8% YoY +7.2% QoQ	-0.67%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.96% +3.5% YoY +6.4% QoQ	-0.02%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	77.00% -7.2% YoY -0.7% QoQ	+12.52%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	5.90% -9.7% YoY -5.0% QoQ	+4.98%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Bottom 1.7% in tier
Loan-to-Deposit Ratio ?	93.72% +12.1% YoY +17.5% QoQ	+15.76%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	13.52% -2.1% YoY -4.1% QoQ	-8.51%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	19%
Nonperforming Asset Ratio ?	4.76% -3.2% YoY +12.7% QoQ	+4.09%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Bottom 1.1% in tier
Tier 1 Capital Ratio ?	13.11% +4.5% YoY -5.9% QoQ	-2.79%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.07% -0.7% YoY +103.5% QoQ	-0.50%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Bottom 9.6% 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	13.5% -0.3pp YoY -0.6pp QoQ	-8.6pp	22.1%	17.6%	22.2%	19%
Brokered Deposits	20.2% -4.7pp YoY +2.0pp QoQ	+12.3pp	7.9%	8.9%	8.5%	91%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	12.0% -2.8pp YoY -2.4pp QoQ	+0.4pp	11.6%	12.3%	12.5%	63%
CRE	18.5% -5.3pp YoY -2.2pp QoQ	-21.0pp	39.5%	32.3%	41.4%	16%
1-4 Family	9.5% +0.3pp YoY -1.6pp QoQ	-23.1pp	32.6%	16.9%	31.3%	10%
Consumer	4.3% -0.6pp YoY -0.9pp QoQ	+0.2pp	4.1%	3.1%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	13.1% +0.6pp YoY -0.8pp QoQ	-5.7pp	18.8%	16.1%	19.7%	29%
Leverage Ratio	11.3% +1.4pp YoY +0.3pp QoQ	-0.9pp	12.2%	12.1%	12.6%	55%
Total Capital Ratio	14.4% +0.6pp YoY -0.8pp QoQ	-5.6pp	19.9%	17.3%	20.8%	31%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	19 -1 (-5.0%) YoY -1 (-5.0%) QoQ	-40	58	98	482	9%
Assets per Employee ($)	$6.5M +2.3% YoY +3.5% QoQ	-$1.1M	$7.5M	$8.5M	$8.8M	42%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	5.9% -0.6pp YoY +0.5pp QoQ	+5.0pp	0.9%	0.8%	1.0%	98%
Allowance Coverage	0.29x +17.9% YoY -8.1% QoQ	-23.87x	24.15x	31.69x	20.23x	3%
Net Charge-off Rate (YTD)	-0.0% -2.7pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	6.0% +8.2pp YoY +0.3pp QoQ	-6.2pp	12.2%	12.3%	11.6%	17%
Cost of Funds (YTD)	2.3% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.9%	1.7%	82%
Net Income ($, YTD)	$410,000 +386.7% YoY — QoQ	-$2.1M	$2.6M	$6.1M	$40.4M	9%

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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 (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

2615

Nonperforming Asset Ratio

credit_quality

Value: 4.76%

Peer Median: 0.67%

#2615 of 2643 Bottom 1.1% in $100M-$1B

2589

Delinquency Rate

credit_quality

Value: 5.90%

Peer Median: 0.92%

#2589 of 2633 Bottom 1.7% in $100M-$1B

2472

Total Assets

size

Value: $122.77M

Peer Median: $386.57M

#2472 of 2643 Bottom 6.5% in $100M-$1B

2450

Total Deposits

size

Value: $105.78M

Peer Median: $326.73M

#2450 of 2643 Bottom 7.3% in $100M-$1B

2391

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2391 of 2643 Bottom 9.6% in $100M-$1B

2192

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.32%

#2192 of 2643 Bottom 17.1% in $100M-$1B

2184

Efficiency Ratio

profitability

Value: 77.00%

Peer Median: 64.48%

#2184 of 2643 Bottom 17.4% in $100M-$1B

2151

Loan-to-Deposit Ratio

liquidity

Value: 93.72%

Peer Median: 77.95%

#2151 of 2643 Bottom 18.7% in $100M-$1B

2147

Total Loans

size

Value: $99.14M

Peer Median: $258.35M

#2147 of 2643 Bottom 18.8% in $100M-$1B

2134

Non-Interest-Bearing Deposit Share

funding

Value: 13.52%

Peer Median: 22.03%

#2134 of 2643 Bottom 19.3% in $100M-$1B