BlastPoint's Banking Scorecard

First Community Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 5384

Designations: ✓ CDFI-certified

Beemer, NE

5 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

First Community Bank has 2 strengths but faces 3 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 3.25% below tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.8% in tier
- ROA 0.34% below tier average
- Net Interest Margin 0.32% below tier average

Get updates when First Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$335.4M +22.0% YoY -0.4% QoQ	-$50.7M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$242.7M +23.4% YoY -3.5% QoQ	-$13.1M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$300.5M +26.1% YoY +1.4% QoQ	-$27.5M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	0.93% +35.5% YoY -1.1% QoQ	-0.34%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.61% +6.3% YoY +1.9% QoQ	-0.32%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	62.04% -13.3% YoY -4.7% QoQ	-3.25%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.19% -10.7% QoQ	-0.70%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	80.76% -2.2% YoY -4.8% QoQ	+4.12%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	16.14% +1.9% YoY -16.5% QoQ	-5.88%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.14% -13.5% QoQ	-0.50%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	11.19% +7.1% YoY +5.4% QoQ	-4.64%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.08% +20.2% YoY -80.9% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	41%

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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 (1)

Credit Quality Pressure

risk

#364 of 1308 • Bottom 27.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.19%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available