BlastPoint's Banking Scorecard

The Bank of Steinauer

under $100M Specialty: Agricultural NE FDIC cert 10635

Designations: ✓ Community bank

Steinauer, NE

537 banks in the under $100M peer group nationally 35 in NE

The Bank of Steinauer shows strong momentum with 6 strengths and 8.3% YoY asset growth

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

+ Delinquency Rate 1.36% below tier average
+ Non-Interest-Bearing Deposit Share 21.67% above tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.08% above tier average
+ Net Interest Margin 0.73% above tier average
+ Efficiency Ratio 9.14% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$25.4M +8.3% YoY +34.5% QoQ	-$36.9M	$62.3M -0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.0% YoY	Bottom 8.4% in tier
Total Loans ?	$11.4M +2.4% YoY -5.9% QoQ	-$22.9M	$34.3M -1.5% YoY	$551.6M +6.9% YoY	$3.2B +10.7% YoY	Bottom 12.7% in tier
Total Deposits ?	$23.5M +8.9% YoY +38.0% QoQ	-$28.3M	$51.8M -0.6% YoY	$661.1M +6.6% YoY	$4.8B +8.0% YoY	Bottom 12.8% in tier
Return on Assets ?	0.94% -32.4% YoY +202.1% QoQ	+0.08%	0.86% -3.6% YoY	1.36% +20.0% YoY	1.24% +13.1% YoY	49%
Net Interest Margin ?	4.60% +8.3% YoY -2.4% QoQ	+0.73%	3.87% +2.7% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	78.49% +13.8% YoY -14.6% QoQ	-9.14%	87.63% +2.3% YoY	60.11% -6.9% YoY	66.84% -3.8% YoY	37%
Delinquency Rate ?	0.00%	-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 ?	48.66% -5.9% YoY -31.8% QoQ	-15.45%	64.11% -0.9% YoY	79.63% +0.4% YoY	76.69% +0.9% YoY	71%
Non-Interest-Bearing Deposit Share ?	45.45% -0.9% YoY +50.3% QoQ	+21.67%	23.79% +0.5% YoY	17.92% -1.5% YoY	22.01% -1.1% YoY	Top 5.6% in tier
Nonperforming Asset Ratio ?	0.00%	-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 ?	14.88% +78.6% YoY +1.1% QoQ	-11.89%	26.77% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.04% -76.4% YoY -88.6% QoQ	-0.63%	0.67% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.0% YoY	37%

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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 (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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 45.45%

Peer Median: 23.79%

#31 of 537 Top 5.6% in under $100M

116

Net Interest Margin

profitability

Value: 4.60%

Peer Median: 3.87%

#116 of 537 Top 21.4% in under $100M

Top Weaknesses (3 metrics)

493

Total Assets

size

Value: $25.39M

Peer Median: $62.28M

#493 of 537 Bottom 8.4% in under $100M

470

Total Loans

size

Value: $11.43M

Peer Median: $34.29M

#470 of 537 Bottom 12.7% in under $100M

469

Total Deposits

size

Value: $23.50M

Peer Median: $51.83M

#469 of 537 Bottom 12.8% in under $100M