BlastPoint's Banking Scorecard
Flatwater Bank
Gothenburg, NE
3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +21.0% year over year ($320.8M on the books).
- Delinquency rate 1.78%.
- Return on assets 1.27%.
- Efficiency ratio 58.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Flatwater Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.42% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 31.3% in tier
- - Net Interest Margin 0.44% below tier average
- - Delinquency Rate 0.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$367.7M
+14.5% YoY
+6.1% QoQ
|
-$18.9M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$271.8M
+10.9% YoY
+7.5% QoQ
|
+$13.5M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$320.8M
+21.0% YoY
+3.2% QoQ
|
-$5.9M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
1.27%
-29.8% YoY
+21.6% QoQ
|
-0.05% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.55%
-5.4% YoY
+7.9% QoQ
|
-0.44% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
58.06%
+8.5% YoY
-1.2% QoQ
|
-6.42% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
1.78%
-26.2% QoQ
|
+0.86% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
84.72%
-8.4% YoY
+4.2% QoQ
|
+6.77% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
11.53%
+1.2% YoY
+8.4% QoQ
|
-10.50% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.6% in tier |
| Nonperforming Asset Ratio ? |
1.32%
-25.2% QoQ
|
+0.65% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.7% in tier |
| Tier 1 Capital Ratio ? |
9.38%
-7.6% YoY
+1.8% QoQ
|
-6.53% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.8% in tier |
| Non-Interest Income / Assets ? |
0.35%
-9.1% YoY
+86.8% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
80% |
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 |
11.5%
+0.1pp YoY +0.9pp QoQ |
-10.6pp | 22.1% | 17.6% | 22.2% | 13% |
| Brokered Deposits |
23.3%
+4.3pp YoY +2.0pp QoQ |
+15.4pp | 7.9% | 8.9% | 8.5% | 94% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.1%
-1.2pp YoY -0.3pp QoQ |
+0.6pp | 11.6% | 12.3% | 12.5% | 64% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
10.3%
+0.1pp YoY -0.2pp QoQ |
-22.4pp | 32.6% | 16.9% | 31.3% | 11% |
| Consumer |
2.5%
-1.0pp YoY -0.3pp QoQ |
-1.6pp | 4.1% | 3.1% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
9.4%
-0.8pp YoY +0.2pp QoQ |
-2.8pp | 12.2% | 12.1% | 12.6% | 19% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
0 YoY +2 (+5.4%) QoQ |
-20 | 58 | 98 | 482 | 40% |
| Assets per Employee ($) |
$9.4M
+14.5% YoY +0.6% QoQ |
+$1.9M | $7.5M | $8.5M | $8.8M | 82% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 63% |
| Nonaccrual |
1.6%
+1.5pp YoY -0.8pp QoQ |
+0.7pp | 0.9% | 0.8% | 1.0% | 83% |
| Allowance Coverage |
0.79x
-96.9% YoY +36.6% QoQ |
-23.36x | 24.15x | 31.69x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
+0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.3%
-6.4pp YoY +2.9pp QoQ |
+3.1pp | 12.2% | 12.3% | 11.6% | 69% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY -0.1pp QoQ |
+0.6pp | 1.7% | 1.9% | 1.7% | 86% |
| Net Income ($, YTD) |
$2.2M
-19.9% YoY — QoQ |
-$312K | $2.6M | $6.1M | $40.4M | 57% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.