BlastPoint's Banking Scorecard
The First National Bank of Johnson
Designations: ✓ Community bank
Johnson, NE
2 branches across NE
The First National Bank of Johnson has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Efficiency Ratio 7.71% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.46% below tier average
- - ROA 0.37% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.6M
+4.0% YoY
+3.5% QoQ
|
+$34.4M |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Top 4.1% in tier |
| Total Loans ? |
$30.9M
+7.6% YoY
-4.6% QoQ
|
-$3.4M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$79.5M
+4.3% YoY
+4.2% QoQ
|
+$27.7M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Top 10.5% in tier |
| Return on Assets ? |
0.46%
+165.5% YoY
+105.2% QoQ
|
-0.37% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
2.40%
+22.9% YoY
+18.1% QoQ
|
-1.46% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio ? |
80.63%
-12.1% YoY
-9.3% QoQ
|
-7.71% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
38.85%
+3.1% YoY
-8.4% QoQ
|
-25.37% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
23.75%
+11.6% YoY
+3.6% QoQ
|
+0.04% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.18%
-1.9% YoY
-1.9% QoQ
|
-11.51% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.07%
-3.8% YoY
-77.2% QoQ
|
-0.59% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
57% |
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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.