BlastPoint's Banking Scorecard
First Bank and Trust of Fullerton
Fullerton, 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 +1.2% year over year ($83.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.06%.
- Efficiency ratio 64.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank and Trust of Fullerton has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.9% in tier
- + Efficiency Ratio 0.26% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.67% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.3M
+1.9% YoY
+1.1% QoQ
|
-$278.3M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.1% in tier |
| Total Loans ? |
$68.5M
+0.9% YoY
+4.5% QoQ
|
-$189.8M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.8% in tier |
| Total Deposits ? |
$83.9M
+1.2% YoY
+0.9% QoQ
|
-$242.9M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.4% in tier |
| Return on Assets ? |
1.06%
+11.2% YoY
+18.5% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.32%
+3.3% YoY
+1.7% QoQ
|
-0.67% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
64.22%
-0.8% YoY
-4.9% QoQ
|
-0.26% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.00%
-33.9% YoY
-98.5% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 12.6% in tier |
| Loan-to-Deposit Ratio ? |
81.67%
-0.3% YoY
+3.6% QoQ
|
+3.72% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
14.72%
+4.6% YoY
-0.4% QoQ
|
-7.31% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.00%
-34.5% YoY
-98.5% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 11.5% in tier |
| Tier 1 Capital Ratio ? |
14.20%
+3.4% YoY
+0.6% QoQ
|
-1.71% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.17%
+23.1% YoY
+120.7% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
14.7%
+0.7pp YoY -0.1pp QoQ |
-7.4pp | 22.1% | 17.6% | 22.2% | 23% |
| Brokered Deposits |
7.1%
-2.5pp YoY -0.1pp QoQ |
-0.8pp | 7.9% | 8.9% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.5%
+2.2pp YoY +1.3pp QoQ |
-5.0pp | 11.6% | 12.3% | 12.5% | 29% |
| CRE |
6.4%
-0.2pp QoQ |
-33.1pp | 39.5% | 32.3% | 41.4% | 2% |
| 1-4 Family | n/a | n/a | 32.6% | 16.9% | 31.3% | n/a |
| Consumer |
1.5%
0.0pp YoY +0.3pp QoQ |
-2.7pp | 4.1% | 3.1% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
14.2%
+0.5pp YoY +0.1pp QoQ |
+2.0pp | 12.2% | 12.1% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
0 YoY 0 QoQ |
-47 | 58 | 98 | 482 | 2% |
| Assets per Employee ($) |
$9.0M
+1.9% YoY +1.1% QoQ |
+$1.5M | $7.5M | $8.5M | $8.8M | 79% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 1% |
| Allowance Coverage |
478.50x
+49.7% YoY +6350.0% QoQ |
+454.35x | 24.15x | 31.69x | 20.23x | 99% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
+0.4pp YoY +1.2pp QoQ |
-4.1pp | 12.2% | 12.3% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.9% | 1.7% | 59% |
| Net Income ($, YTD) |
$577,000
+14.7% YoY — QoQ |
-$2.0M | $2.6M | $6.1M | $40.4M | 13% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.