BlastPoint's Banking Scorecard
First Bank and Trust of Fullerton
Fullerton, NE
2 branches across NE
First Bank and Trust of Fullerton has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.8% in tier
- - Flatlined Growth: Bottom 38.1% in tier
- - ROA 0.37% below tier average
- - Net Interest Margin 0.67% below tier average
- - Efficiency Ratio 2.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.1M
+0.9% YoY
-3.7% QoQ
|
-$279.0M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.3% in tier |
| Total Loans ? |
$65.6M
+0.1% YoY
-9.9% QoQ
|
-$190.1M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$83.2M
+0.3% YoY
-3.9% QoQ
|
-$244.8M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 1.1% in tier |
| Return on Assets ? |
0.89%
+14.6% YoY
-8.6% QoQ
|
-0.37% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
3.26%
+6.1% YoY
-0.0% QoQ
|
-0.67% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
67.53%
-3.8% YoY
+5.3% QoQ
|
+2.24% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? | 0.20% | -0.69% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
78.86%
-0.1% YoY
-6.3% QoQ
|
+2.22% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
14.78%
+0.1% YoY
-2.4% QoQ
|
-7.24% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? | 0.12% | -0.52% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
68% |
| Tier 1 Capital Ratio ? |
14.12%
+2.7% YoY
+5.9% QoQ
|
-1.71% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.08%
+19.5% YoY
-71.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
36% |
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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 (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.