BlastPoint's Banking Scorecard

FirstBank of Nebraska

$100M-$1B Specialty: Agricultural NE FDIC cert 5486

Wahoo, NE

4 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

FirstBank of Nebraska has 2 strengths but faces 4 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

+ Efficiency Ratio 22.61% below tier average
+ ROA 0.44% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 25.8% in tier
- Capital Thin: Bottom 47.0% in tier
- Net Interest Margin 1.00% below tier average
- Delinquency Rate 0.44% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$470.3M +3.3% YoY -1.2% QoQ	+$84.2M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$227.9M +5.9% YoY +0.3% QoQ	-$27.8M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$376.0M +4.0% YoY +7.9% QoQ	+$48.1M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	1.70% +12.8% YoY +3.9% QoQ	+0.44%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	2.93% +9.4% YoY +2.9% QoQ	-1.00%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 9.6% in tier
Efficiency Ratio ?	42.68% -6.4% YoY -3.8% QoQ	-22.61%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 6.2% in tier
Delinquency Rate ?	1.32% +335.2% YoY +227.2% QoQ	+0.44%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	22%
Loan-to-Deposit Ratio ?	60.60% +1.8% YoY -7.0% QoQ	-16.04%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	17.88% -33.2% YoY +1.6% QoQ	-4.14%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	36%
Nonperforming Asset Ratio ?	0.64% +346.3% YoY +232.0% QoQ	+0.00%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	31%
Tier 1 Capital Ratio ?	10.95% -0.5% YoY -4.9% QoQ	-4.88%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.08% +13.5% YoY -70.4% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	38%

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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 (2)

NIB Deposit Bleed

decline

#52 of 198 • Bottom 25.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 17.88%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Capital Thin

risk

#314 of 666 • Bottom 47.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.95%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

166

Efficiency Ratio

profitability

Value: 42.68%

Peer Median: 65.29%

#166 of 2664 Top 6.2% in $100M-$1B

517

Loan-to-Deposit Ratio

liquidity

Value: 60.60%

Peer Median: 76.64%

#517 of 2664 Top 19.4% in $100M-$1B

592

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.27%

#592 of 2664 Top 22.2% in $100M-$1B

Top Weaknesses (3 metrics)

2410

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.93%

#2410 of 2664 Bottom 9.6% in $100M-$1B

2078

Delinquency Rate

credit_quality

Value: 1.32%

Peer Median: 0.89%

#2078 of 2654 Bottom 21.7% in $100M-$1B

2069

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 15.83%

#2069 of 2664 Bottom 22.4% in $100M-$1B