BlastPoint's Banking Scorecard
The Bank of Steinauer
Designations: ✓ Community bank
Steinauer, 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits -21.0% year over year ($16.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.08%.
- Efficiency ratio 77.61% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.59% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Steinauer demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.08% above tier average
- + Net Interest Margin 1.09% above tier average
- + Efficiency Ratio 41.79% 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 ? |
$19.0M
-16.4% YoY
-25.0% QoQ
|
-$43.4M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.9% in tier |
| Total Loans ? |
$13.0M
+13.0% YoY
+13.4% QoQ
|
-$21.9M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.2% in tier |
| Total Deposits ? |
$16.5M
-21.0% YoY
-29.8% QoQ
|
-$35.1M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.9% in tier |
| Return on Assets ? |
1.08%
-16.4% YoY
+15.0% QoQ
|
+0.08% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
5.00%
+12.8% YoY
+8.8% QoQ
|
+1.09% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Top 12.7% in tier |
| Efficiency Ratio ? |
77.61%
+10.6% YoY
-1.1% QoQ
|
-41.79% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.59%
+43.0% YoY
+61.5% QoQ
|
+4.38% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
27.99%
-40.4% YoY
-38.4% QoQ
|
+4.50% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.28%
+86.9% YoY
+2.7% QoQ
|
-11.84% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.11%
-52.6% YoY
+154.5% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
28.0%
-19.0pp YoY -17.5pp QoQ |
+3.4pp | 24.6% | 17.6% | 22.2% | 66% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.2%
-2.1pp YoY -0.4pp QoQ |
-8.2pp | 13.4% | 12.3% | 12.5% | 22% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
45.2%
+1.6pp YoY +2.1pp QoQ |
+10.2pp | 35.0% | 16.9% | 31.3% | 68% |
| Consumer |
12.7%
+0.8pp YoY -1.8pp QoQ |
+5.1pp | 7.7% | 3.1% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.3%
+0.4pp QoQ |
-23.4pp | 38.7% | 16.1% | 19.7% | 25% |
| Leverage Ratio |
7.9%
-0.3pp YoY +0.4pp QoQ |
-9.8pp | 17.7% | 12.1% | 12.6% | 2% |
| Total Capital Ratio |
15.9%
+0.4pp QoQ |
-23.8pp | 39.7% | 17.3% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
-1 (-16.7%) YoY -1 (-16.7%) QoQ |
-7 | 12 | 98 | 482 | 7% |
| Assets per Employee ($) |
$3.8M
+0.3% YoY -10.0% QoQ |
-$2.4M | $6.2M | $8.5M | $8.8M | 16% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
-2.9pp YoY +0.9pp QoQ |
+5.8pp | 6.4% | 12.3% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 1.4% | 1.9% | 1.7% | 46% |
| Net Income ($, YTD) |
$114,000
-16.8% YoY — QoQ |
-$204K | $317,817 | $6.1M | $40.4M | 25% |
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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.