BlastPoint's Banking Scorecard

Wahoo State Bank

$100M-$1B Specialty: Mortgage NE FDIC cert 1163

Wahoo, NE

2 branches across NE

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

Wahoo State Bank has 2 strengths 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.3% in tier
- ROA 0.50% below tier average
- Net Interest Margin 0.29% below tier average
- Efficiency Ratio 12.24% above tier average

Get updates when Wahoo 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 ?	$114.0M -2.6% YoY +0.1% QoQ	-$272.1M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 4.1% in tier
Total Loans ?	$84.0M -0.8% YoY -2.8% QoQ	-$171.8M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Bottom 13.0% in tier
Total Deposits ?	$90.1M -1.1% YoY +2.6% QoQ	-$237.9M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 2.7% in tier
Return on Assets ?	0.77% +17.5% YoY +8.6% QoQ	-0.50%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	3.64% +12.5% YoY +5.2% QoQ	-0.29%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	77.52% -2.3% YoY -1.6% QoQ	+12.24%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	19%
Delinquency Rate ?	0.00% -100.0% YoY	-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 ?	93.21% +0.3% YoY -5.3% QoQ	+16.57%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	12.97% -5.9% YoY -6.4% QoQ	-9.05%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-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 ?	13.06% +6.3% YoY +2.5% QoQ	-2.77%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.10% +0.9% YoY -74.2% QoQ	-0.18%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	52%

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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 (1)

Liquidity Strain

risk

#61 of 643 • Bottom 9.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.21%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 (2 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

Top Weaknesses (7 metrics)

2594

Total Deposits

size

Value: $90.07M

Peer Median: $327.97M

#2594 of 2664 Bottom 2.7% in $100M-$1B

2555

Total Assets

size

Value: $113.99M

Peer Median: $386.08M

#2555 of 2664 Bottom 4.1% in $100M-$1B

2318

Total Loans

size

Value: $83.95M

Peer Median: $255.72M

#2318 of 2664 Bottom 13.0% in $100M-$1B

2200

Non-Interest-Bearing Deposit Share

funding

Value: 12.97%

Peer Median: 22.02%

#2200 of 2664 Bottom 17.5% in $100M-$1B

2191

Loan-to-Deposit Ratio

liquidity

Value: 93.21%

Peer Median: 76.64%

#2191 of 2664 Bottom 17.8% in $100M-$1B

2163

Efficiency Ratio

profitability

Value: 77.52%

Peer Median: 65.29%

#2163 of 2664 Bottom 18.8% in $100M-$1B

2016

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.27%

#2016 of 2664 Bottom 24.4% in $100M-$1B