BlastPoint's Banking Scorecard
First Tri County Bank
Designations: ✓ Community bank
Swanton, NE
2 branches across NE
First Tri County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + Efficiency Ratio 16.22% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.29% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.9M
+6.6% YoY
+2.3% QoQ
|
+$13.6M |
$62.3M
-0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.0% YoY
|
65% |
| Total Loans ? |
$46.1M
-4.3% YoY
-7.6% QoQ
|
+$11.8M |
$34.3M
-1.5% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
70% |
| Total Deposits ? |
$68.3M
+7.1% YoY
+2.7% QoQ
|
+$16.4M |
$51.8M
-0.6% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.0% YoY
|
71% |
| Return on Assets ? |
0.90%
+107.4% YoY
+93.3% QoQ
|
+0.04% |
0.86%
-3.6% YoY
|
1.36%
+20.0% YoY
|
1.24%
+13.1% YoY
|
47% |
| Net Interest Margin ? |
3.58%
+10.5% YoY
-1.5% QoQ
|
-0.29% |
3.87%
+2.7% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
71.41%
-13.2% YoY
-13.5% QoQ
|
-16.22% |
87.63%
+2.3% YoY
|
60.11%
-6.9% YoY
|
66.84%
-3.8% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.36% |
1.36%
+33.7% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
67.55%
-10.6% YoY
-10.0% QoQ
|
+3.44% |
64.11%
-0.9% YoY
|
79.63%
+0.4% YoY
|
76.69%
+0.9% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
25.10%
+12.1% YoY
+3.3% QoQ
|
+1.31% |
23.79%
+0.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.1% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.77% |
0.77%
+28.7% YoY
|
0.55%
+6.0% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.04%
-3.5% YoY
-5.3% QoQ
|
-17.73% |
26.77%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.3% in tier |
| Non-Interest Income / Assets ? |
0.02%
-20.2% YoY
-75.2% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.0% YoY
|
16% |
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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.