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I3 Bank

$100M-$1B Specialty: Commercial NE FDIC cert 8595

Bennington, NE

5 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE
View $100M-$1B leaderboard (NE) →

I3 Bank has 1 strength 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

  • + Net Interest Margin 0.92% above tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 0.99% above tier average
  • - ROA 0.28% below tier average
  • - Efficiency Ratio 4.79% above tier average
  • - Delinquency Rate 1.22% above tier average
Get updates when I3 Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $226.2M
+11.3% YoY +3.7% QoQ
-$159.9M $386.1M
+0.5% YoY
$791.1M
+6.6% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $174.6M
+18.2% YoY +3.0% QoQ
-$81.1M $255.7M
+1.1% YoY
$551.6M
+6.9% YoY
$3.2B
+10.8% YoY
43%
Total Deposits ? $197.3M
+6.6% YoY +14.5% QoQ
-$130.7M $328.0M
+0.1% YoY
$661.1M
+6.6% YoY
$4.8B
+8.2% YoY
33%
Return on Assets ? 0.99%
+115.6% YoY +64.2% QoQ
-0.28% 1.27%
+12.9% YoY
1.36%
+20.0% YoY
1.23%
+13.4% YoY
37%
Net Interest Margin ? 4.85%
-2.7% YoY +0.8% QoQ
+0.92% 3.93%
+6.0% YoY
3.79%
+6.5% YoY
3.89%
+5.7% YoY
Top 9.7% in tier
Efficiency Ratio ? 70.07%
-8.5% YoY -4.9% QoQ
+4.79% 65.29%
-4.5% YoY
60.11%
-6.9% YoY
66.95%
-4.1% YoY
32%
Delinquency Rate ? 2.11%
-14.6% YoY +34.8% QoQ
+1.22% 0.89%
+18.8% YoY
0.72%
+6.8% YoY
0.95%
+18.8% YoY
Bottom 11.4% in tier
Loan-to-Deposit Ratio ? 88.51%
+10.9% YoY -10.1% QoQ
+11.87% 76.64%
+0.8% YoY
79.63%
+0.4% YoY
76.70%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 22.46%
-19.3% YoY -11.5% QoQ
+0.44% 22.02%
-1.0% YoY
17.92%
-1.5% YoY
22.01%
-1.2% YoY
56%
Nonperforming Asset Ratio ? 1.63%
-9.3% YoY +33.9% QoQ
+0.99% 0.64%
+19.7% YoY
0.55%
+6.0% YoY
0.67%
+19.3% YoY
Bottom 9.9% in tier
Tier 1 Capital Ratio ? 10.08%
-10.1% YoY -4.4% QoQ
-5.75% 15.83%
+1.5% YoY
14.10%
+3.9% YoY
17.06%
+0.8% YoY
Bottom 10.6% in tier
Non-Interest Income / Assets ? 0.14%
+66.9% YoY -70.1% QoQ
-0.14% 0.28%
+9.3% YoY
0.12%
+3.0% YoY
0.32%
+4.1% YoY
70%

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

260
Net Interest Margin
profitability
Value: 4.85%
Peer Median: 3.93%
#260 of 2664 Top 9.7% in $100M-$1B

Top Weaknesses (3 metrics)

2401
Nonperforming Asset Ratio
credit_quality
Value: 1.63%
Peer Median: 0.64%
#2401 of 2664 Bottom 9.9% in $100M-$1B
2382
Tier 1 Capital Ratio
capital
Value: 10.08%
Peer Median: 15.83%
#2382 of 2664 Bottom 10.6% in $100M-$1B
2352
Delinquency Rate
credit_quality
Value: 2.11%
Peer Median: 0.89%
#2352 of 2654 Bottom 11.4% in $100M-$1B
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