BlastPoint's Banking Scorecard
Security First Bank
Designations: ✓ Community bank
Lincoln, NE
37 branches across NE · SD
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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
- Deposits +17.8% year over year ($2.0B on the books).
- Delinquency rate 0.18%.
- Return on assets 0.81%.
- Efficiency ratio 67.58% vs a 59.73% peer average.
- Loan-to-deposit ratio 77.07% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Security First Bank has 1 strength but faces 3 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
- - ROA 0.58% below tier average
- - Net Interest Margin 0.45% below tier average
- - Efficiency Ratio 7.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+14.6% YoY
+8.5% QoQ
|
-$471.9M |
$2.8B
-0.6% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$1.6B
+16.0% YoY
+8.4% QoQ
|
-$398.0M |
$2.0B
-0.3% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$2.0B
+17.8% YoY
+8.3% QoQ
|
-$288.0M |
$2.3B
-0.5% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
0.81%
-2.0% YoY
+20.6% QoQ
|
-0.58% |
1.39%
+17.0% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.42%
+9.9% YoY
+4.5% QoQ
|
-0.45% |
3.87%
+6.2% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
67.58%
+3.7% YoY
-3.3% QoQ
|
+7.85% |
59.73%
-12.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
0.18%
-50.8% YoY
-27.9% QoQ
|
-0.69% |
0.87%
+11.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
77.07%
-1.5% YoY
+0.0% QoQ
|
-7.96% |
85.04%
-0.1% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
13.47%
+3.5% YoY
+1.2% QoQ
|
-7.80% |
21.27%
-1.5% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.12%
-71.2% YoY
-31.8% QoQ
|
-0.56% |
0.67%
+11.7% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
11.03%
-0.8% YoY
-3.1% QoQ
|
-3.81% |
14.84%
-0.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.32%
+7.2% YoY
+100.7% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
13.5%
+0.5pp YoY +0.2pp QoQ |
-7.9pp | 21.4% | 17.6% | 22.2% | 21% |
| Brokered Deposits |
11.2%
-4.0pp YoY -6.0pp QoQ |
+1.8pp | 9.5% | 8.9% | 8.5% | 72% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.5%
+0.9pp YoY +1.3pp QoQ |
-5.5pp | 14.0% | 12.3% | 12.5% | 36% |
| CRE |
44.2%
+4.2pp YoY -0.3pp QoQ |
-5.9pp | 50.0% | 32.3% | 41.4% | 34% |
| 1-4 Family |
14.0%
+0.5pp YoY 0.0pp QoQ |
-12.4pp | 26.4% | 16.9% | 31.3% | 28% |
| Consumer |
8.4%
-4.4pp YoY -1.2pp QoQ |
+3.7pp | 4.7% | 3.1% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.0%
-0.1pp YoY -0.4pp QoQ |
-4.6pp | 15.6% | 16.1% | 19.7% | 10% |
| Leverage Ratio |
8.3%
0.0pp YoY -0.1pp QoQ |
-3.0pp | 11.3% | 12.1% | 12.6% | 3% |
| Total Capital Ratio |
12.3%
0.0pp YoY -0.3pp QoQ |
-4.4pp | 16.7% | 17.3% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
329
+50 (+17.9%) YoY +52 (+18.8%) QoQ |
+15 | 313 | 98 | 482 | 70% |
| Assets per Employee ($) |
$7.1M
-2.8% YoY -8.7% QoQ |
-$3.4M | $10.5M | $8.5M | $8.8M | 24% |
| Branch Count |
36
+10 (+38.5%) YoY +10 (+38.5%) QoQ |
+16 | 20 | 7 | 18 | 87% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.4% | 0.4% | 66% |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.8% | 0.8% | 1.0% | 13% |
| Allowance Coverage |
7.60x
+115.5% YoY +40.5% QoQ |
-11.12x | 18.71x | 31.69x | 20.23x | 84% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.1%
-1.0pp YoY +1.4pp QoQ |
-3.5pp | 12.6% | 12.3% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.1%
-0.4pp YoY 0.0pp QoQ |
+0.2pp | 1.9% | 1.9% | 1.7% | 64% |
| Net Income ($, YTD) |
$9.0M
+5.9% YoY — QoQ |
-$10.3M | $19.2M | $6.1M | $40.4M | 34% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.