BlastPoint's Banking Scorecard
First Northeast Bank of Nebraska
Lyons, NE
8 branches across 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 -4.3% year over year ($361.0M on the books).
- Delinquency rate 0.23%.
- Return on assets 1.32%.
- Efficiency ratio 48.38% vs a 64.48% peer average.
- Loan-to-deposit ratio 48.95% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Northeast Bank of Nebraska has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.10% below tier average
- + Delinquency Rate 0.69% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$472.6M
-3.0% YoY
-5.7% QoQ
|
+$86.1M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$176.7M
-5.1% YoY
-2.9% QoQ
|
-$81.6M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$361.0M
-4.3% YoY
-0.5% QoQ
|
+$34.3M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
1.32%
-1.3% YoY
+4.8% QoQ
|
+0.00% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.02%
-0.6% YoY
+2.8% QoQ
|
-0.97% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio ? |
48.38%
+4.7% YoY
-1.5% QoQ
|
-16.10% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 13.7% in tier |
| Delinquency Rate ? |
0.23%
-5.5% YoY
-1.4% QoQ
|
-0.69% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
48.95%
-0.8% YoY
-2.4% QoQ
|
-29.00% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Top 7.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.41%
+13.1% YoY
-7.5% QoQ
|
-3.62% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.08%
-7.5% YoY
+1.5% QoQ
|
-0.58% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
13.51%
+4.9% YoY
+2.4% QoQ
|
-2.40% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.06%
-1.7% YoY
+111.3% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.7% in tier |
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 |
18.4%
+2.1pp YoY -1.5pp QoQ |
-3.7pp | 22.1% | 17.6% | 22.2% | 38% |
| Brokered Deposits |
7.3%
-7.6pp YoY 0.0pp QoQ |
-0.6pp | 7.9% | 8.9% | 8.5% | 65% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-1.2pp YoY +0.2pp QoQ |
-3.8pp | 11.6% | 12.3% | 12.5% | 38% |
| CRE |
24.6%
+0.7pp YoY -0.3pp QoQ |
-15.0pp | 39.5% | 32.3% | 41.4% | 26% |
| 1-4 Family |
5.2%
+1.1pp YoY -0.3pp QoQ |
-27.4pp | 32.6% | 16.9% | 31.3% | 5% |
| Consumer |
2.0%
-0.1pp YoY +0.1pp QoQ |
-2.1pp | 4.1% | 3.1% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
13.5%
+0.6pp YoY +0.3pp QoQ |
+1.3pp | 12.2% | 12.1% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
45
-6 (-11.8%) YoY -1 (-2.2%) QoQ |
-14 | 58 | 98 | 482 | 47% |
| Assets per Employee ($) |
$10.5M
+9.9% YoY -3.6% QoQ |
+$3.0M | $7.5M | $8.5M | $8.8M | 88% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 7 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 32% |
| Allowance Coverage |
8.53x
+11.3% YoY +4.5% QoQ |
-15.62x | 24.15x | 31.69x | 20.23x | 80% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-0.8pp YoY +0.3pp QoQ |
-2.2pp | 12.2% | 12.3% | 11.6% | 37% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.9% | 1.7% | 79% |
| Net Income ($, YTD) |
$3.2M
+0.2% YoY — QoQ |
+$652K | $2.6M | $6.1M | $40.4M | 72% |
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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.