BlastPoint's Banking Scorecard
First National Bank in Ord
Ord, NE
3 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 +5.0% year over year ($146.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.93%.
- Efficiency ratio 52.12% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank in Ord shows strong momentum with 4 strengths and 5.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 47.3% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.61% above tier average
- + Efficiency Ratio 12.36% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$165.6M
+5.5% YoY
+0.1% QoQ
|
-$221.0M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$85.8M
+7.2% YoY
+4.5% QoQ
|
-$172.5M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.8% in tier |
| Total Deposits ? |
$146.1M
+5.0% YoY
-0.3% QoQ
|
-$180.6M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.93%
-7.1% YoY
-11.1% QoQ
|
+0.61% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 14.8% in tier |
| Net Interest Margin ? |
3.96%
-3.1% YoY
+1.6% QoQ
|
-0.03% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
52.12%
+5.4% YoY
+10.7% QoQ
|
-12.36% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
58.71%
+2.1% YoY
+4.8% QoQ
|
-19.24% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
29.66%
+10.5% YoY
+1.2% QoQ
|
+7.63% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
22.83%
+3.2% YoY
-0.4% QoQ
|
+6.92% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 9.2% in tier |
| Non-Interest Income / Assets ? |
0.19%
+18.3% YoY
+48.7% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
47% |
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 |
29.7%
+2.8pp YoY +0.3pp QoQ |
+7.5pp | 22.1% | 17.6% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
+4.5pp YoY -0.4pp QoQ |
-0.3pp | 11.6% | 12.3% | 12.5% | 60% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
25.1%
+0.2pp YoY -1.6pp QoQ |
-7.5pp | 32.6% | 16.9% | 31.3% | 41% |
| Consumer |
3.3%
-0.2pp YoY -0.2pp QoQ |
-0.8pp | 4.1% | 3.1% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.8%
+0.7pp YoY -0.1pp QoQ |
+4.0pp | 18.8% | 16.1% | 19.7% | 85% |
| Leverage Ratio |
11.4%
+0.4pp YoY -0.1pp QoQ |
-0.8pp | 12.2% | 12.1% | 12.6% | 56% |
| Total Capital Ratio |
24.1%
+0.7pp YoY -0.1pp QoQ |
+4.1pp | 19.9% | 17.3% | 20.8% | 85% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
0 YoY -1 (-4.0%) QoQ |
-35 | 58 | 98 | 482 | 17% |
| Assets per Employee ($) |
$6.9M
+5.5% YoY +4.3% QoQ |
-$619K | $7.5M | $8.5M | $8.8M | 50% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.0%
-2.3pp YoY -2.3pp QoQ |
+4.8pp | 12.2% | 12.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.9% | 1.7% | 19% |
| Net Income ($, YTD) |
$1.6M
-3.2% YoY — QoQ |
-$973K | $2.6M | $6.1M | $40.4M | 44% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.