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The First National Bank of Gordon

$100M-$1B Specialty: Agricultural NE FDIC cert 5410

Gordon, 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 -7.2% year over year ($305.6M on the books).
  • Delinquency rate 1.34%.
  • Return on assets 2.73%.
  • Efficiency ratio 39.37% vs a 64.48% peer average.
  • Loan-to-deposit ratio 37.19% 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) →

The First National Bank of Gordon has 3 strengths but faces 4 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

  • + Return on Assets 1.41% above tier average
  • + Efficiency Ratio 25.11% below tier average
  • + Net Interest Margin 0.51% above tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 0.7% in tier
  • - Deposit Outflow: Bottom 15.5% in tier
  • - Margin Compression: Bottom 68.4% in tier
  • - Delinquency Rate 0.42% above tier average
Get updates when The First National Bank of Gordon releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $357.5M
-4.6% YoY -4.1% QoQ
-$29.0M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
56%
Total Loans ? $113.6M
+7.0% YoY +2.5% QoQ
-$144.7M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $305.6M
-7.2% YoY -5.3% QoQ
-$21.1M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
56%
Return on Assets ? 2.73%
-12.7% YoY -9.8% QoQ
+1.41% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
Top 3.1% in tier
Net Interest Margin ? 4.50%
-2.0% YoY -0.0% QoQ
+0.51% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
80%
Efficiency Ratio ? 39.37%
+15.8% YoY +8.6% QoQ
-25.11% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
Top 3.4% in tier
Delinquency Rate ? 1.34%
-6.7% YoY -13.7% QoQ
+0.42% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
21%
Loan-to-Deposit Ratio ? 37.19%
+15.3% YoY +8.2% QoQ
-40.77% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Top 3.2% in tier
Non-Interest-Bearing Deposit Share ? 20.31%
-1.5% YoY -2.0% QoQ
-1.72% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.42%
+4.6% YoY -7.7% QoQ
-0.24% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
43%
Tier 1 Capital Ratio ? 36.48%
+9.3% YoY +1.0% QoQ
+20.57% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Top 2.4% in tier
Non-Interest Income / Assets ? 0.25%
-18.3% YoY +45.9% QoQ
-0.31% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
64%

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 20.3%
-0.3pp YoY
-0.4pp QoQ
 -1.8pp 22.1% 17.6% 22.2% 46%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 4.9%
-2.8pp YoY
-0.6pp QoQ
 -6.7pp 11.6% 12.3% 12.5% 19%
CRE 7.9%
-0.2pp YoY
+0.1pp QoQ
 -31.6pp 39.5% 32.3% 41.4% 3%
1-4 Family n/a n/a 32.6% 16.9% 31.3% n/a
Consumer 6.2%
-0.2pp YoY
0.0pp QoQ
 +2.1pp 4.1% 3.1% 5.0% 83%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 36.5%
+3.1pp YoY
+0.4pp QoQ
 +17.7pp 18.8% 16.1% 19.7% 96%
Leverage Ratio 14.1%
+1.8pp YoY
+0.4pp QoQ
 +1.9pp 12.2% 12.1% 12.6% 82%
Total Capital Ratio 37.7%
+3.1pp YoY
+0.4pp QoQ
 +17.8pp 19.9% 17.3% 20.8% 96%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 43
+5 (+13.2%) YoY
+1 (+2.4%) QoQ
 -16 58 98 482 45%
Assets per Employee ($) $8.3M
-15.7% YoY
-6.4% QoQ
 +$797K $7.5M $8.5M $8.8M 71%
Branch Count 1
0 YoY
0 QoQ
 -4 4 7 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
-0.4pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 23%
Nonaccrual 1.3%
-0.1pp YoY
+0.2pp QoQ
 +0.4pp 0.9% 0.8% 1.0% 78%
Allowance Coverage 2.35x
+4.3% YoY
+16.5% QoQ
 -21.81x 24.15x 31.69x 20.23x 52%
Net Charge-off Rate (YTD) 0.2%
-0.4pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 83%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 19.9%
-7.0pp YoY
-2.5pp QoQ
 +7.7pp 12.2% 12.3% 11.6% 88%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.9pp 1.7% 1.9% 1.7% 7%
Net Income ($, YTD) $5.0M
-12.8% YoY
— QoQ
 +$2.4M $2.6M $6.1M $40.4M 87%

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 (3)

Cost Spiral

risk
#2 of 138 • Bottom 0.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 39.37%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

Deposit Outflow

decline
#84 of 535 • Bottom 15.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Margin Compression

decline
#211 of 307 • Bottom 68.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.73%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

64
Tier 1 Capital Ratio
capital
Value: 36.48%
Peer Median: 15.91%
#64 of 2643 Top 2.4% in $100M-$1B
82
Return on Assets
profitability
Value: 2.73%
Peer Median: 1.32%
#82 of 2643 Top 3.1% in $100M-$1B
85
Loan-to-Deposit Ratio
liquidity
Value: 37.19%
Peer Median: 77.95%
#85 of 2643 Top 3.2% in $100M-$1B
92
Efficiency Ratio
profitability
Value: 39.37%
Peer Median: 64.48%
#92 of 2643 Top 3.4% in $100M-$1B
538
Net Interest Margin
profitability
Value: 4.50%
Peer Median: 3.99%
#538 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (2 metrics)

2079
Delinquency Rate
credit_quality
Value: 1.34%
Peer Median: 0.92%
#2079 of 2633 Bottom 21.1% in $100M-$1B
2028
Total Loans
size
Value: $113.64M
Peer Median: $258.35M
#2028 of 2643 Bottom 23.3% in $100M-$1B
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