BlastPoint's Banking Scorecard
Security First Bank
Designations: ✓ Community bank
Lincoln, NE
37 branches across NE · SD
Security First Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 43.9% in tier
- - ROA 0.70% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 8.81% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
+4.2% YoY
-2.7% QoQ
|
-$675.8M |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$1.4B
+8.9% YoY
+1.5% QoQ
|
-$520.6M |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$1.9B
+6.4% YoY
-0.7% QoQ
|
-$468.7M |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
0.67%
-7.5% YoY
-25.8% QoQ
|
-0.70% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.27%
+6.8% YoY
+2.8% QoQ
|
-0.54% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
28% |
| Efficiency Ratio ? |
69.88%
+3.2% YoY
+9.9% QoQ
|
+8.81% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.24%
-59.4% YoY
-32.5% QoQ
|
-0.65% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
77.04%
+2.4% YoY
+2.3% QoQ
|
-7.16% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
13.31%
+2.8% YoY
+5.0% QoQ
|
-7.98% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.17%
-55.2% YoY
-32.5% QoQ
|
-0.50% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
11.39%
+2.6% YoY
+0.8% QoQ
|
-3.77% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.16%
+15.8% YoY
-73.6% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
56% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.