BlastPoint's Banking Scorecard

Auburn State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 11477

Auburn, NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Auburn State Bank has 3 strengths but faces 3 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

+ Credit Quality Leader: Top 30.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 11.83% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 16.2% in tier
- Net Interest Margin 1.23% below tier average
- ROA 0.12% below tier average

Get updates when Auburn State 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 ?	$250.2M -3.1% YoY -2.1% QoQ	-$135.9M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$109.2M +3.2% YoY -1.5% QoQ	-$146.5M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$217.8M -5.0% YoY -1.6% QoQ	-$110.2M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	38%
Return on Assets ?	1.15% +42.1% YoY +13.8% QoQ	-0.12%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	46%
Net Interest Margin ?	2.70% +6.1% YoY +1.0% QoQ	-1.23%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 5.5% in tier
Efficiency Ratio ?	53.46% -5.4% YoY -2.6% QoQ	-11.83%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	50.13% +8.6% YoY +0.1% QoQ	-26.50%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Top 9.5% in tier
Non-Interest-Bearing Deposit Share ?	15.83% -4.7% YoY +0.3% QoQ	-6.19%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.44% +4.1% YoY -1.4% QoQ	-1.39%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.06% +127.3% YoY -50.7% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	23%

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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 (1)

Credit Quality Leader

growth

#200 of 664 • Top 30.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#83 of 506 • Bottom 16.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

253

Loan-to-Deposit Ratio

liquidity

Value: 50.13%

Peer Median: 76.64%

#253 of 2664 Top 9.5% in $100M-$1B

600

Efficiency Ratio

profitability

Value: 53.46%

Peer Median: 65.29%

#600 of 2664 Top 22.5% in $100M-$1B

Top Weaknesses (3 metrics)

2519

Net Interest Margin

profitability

Value: 2.70%

Peer Median: 3.93%

#2519 of 2664 Bottom 5.5% in $100M-$1B

2069

Total Loans

size

Value: $109.19M

Peer Median: $255.72M

#2069 of 2664 Bottom 22.4% in $100M-$1B

2047

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2047 of 2664 Bottom 23.2% in $100M-$1B