BlastPoint's Banking Scorecard

First Bank and Trust Company

under $100M Specialty: Agricultural NE FDIC cert 5438

Designations: ✓ Community bank

Minden, NE

541 banks in the under $100M peer group nationally 35 in NE

First Bank and Trust Company has 2 strengths but faces 2 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

+ ROA 0.13% above tier average
+ Efficiency Ratio 18.88% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.50% below tier average
- Delinquency Rate 0.56% above tier average

Get updates when First Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$92.4M -4.3% YoY -1.3% QoQ	+$30.2M	$62.2M -0.6% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Top 9.8% in tier
Total Loans ?	$43.4M -9.4% YoY -9.9% QoQ	+$9.2M	$34.2M -1.4% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	67%
Total Deposits ?	$68.6M -6.5% YoY -0.9% QoQ	+$16.9M	$51.7M -0.7% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	0.96% -13.4% YoY +6.1% QoQ	+0.13%	0.84% -2.3% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	3.36% +7.9% YoY +4.8% QoQ	-0.50%	3.86% +2.8% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	69.47% -3.8% YoY -8.9% QoQ	-18.88%	88.34% +0.3% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	1.93% +280.0% YoY -29.5% QoQ	+0.56%	1.37% +33.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	63.33% -3.1% YoY -9.1% QoQ	-0.88%	64.22% -0.7% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	53%
Non-Interest-Bearing Deposit Share ?	17.92% +5.7% YoY +11.7% QoQ	-5.79%	23.71% +0.3% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.91% +259.6% YoY -35.6% QoQ	+0.12%	0.79% +28.2% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	20.33% +10.4% YoY +10.2% QoQ	-6.36%	26.68% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.10% -6.8% YoY -75.7% QoQ	-0.57%	0.67% +1.9% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

Total Assets

size

Value: $92.37M

Peer Median: $62.16M

#54 of 541 Top 9.8% in under $100M

Top Weaknesses (1 metrics)

406

Delinquency Rate

credit_quality

Value: 1.93%

Peer Median: 1.37%

#406 of 521 Bottom 22.3% in under $100M