BlastPoint's Banking Scorecard

Commercial Bank

under $100M Specialty: Agricultural NE FDIC cert 12246

Designations: ✓ Community bank

Nelson, NE

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

Commercial Bank has 3 strengths but faces 1 concern

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

+ ROA 0.20% above tier average
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 20.10% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.89% above tier average

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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 ?	$57.4M -3.2% YoY -4.8% QoQ	-$4.7M	$62.2M -0.6% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$36.7M +1.5% YoY -12.9% QoQ	+$2.4M	$34.2M -1.4% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$49.7M -4.4% YoY -4.7% QoQ	-$2.1M	$51.7M -0.7% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.04% +311.8% YoY -2.9% QoQ	+0.20%	0.84% -2.3% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	4.33% +10.6% YoY +6.2% QoQ	+0.47%	3.86% +2.8% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	68.25% -12.8% YoY +1.9% QoQ	-20.10%	88.34% +0.3% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	58%
Delinquency Rate ?	2.26% +104.3% YoY +10.5% QoQ	+0.89%	1.37% +33.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	19%
Loan-to-Deposit Ratio ?	73.83% +6.1% YoY -8.6% QoQ	+9.62%	64.22% -0.7% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	37%
Non-Interest-Bearing Deposit Share ?	17.56% -3.2% YoY +5.1% QoQ	-6.16%	23.71% +0.3% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	1.44% +114.1% YoY +1.1% QoQ	+0.66%	0.79% +28.2% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	18.35% +8.0% YoY +5.5% QoQ	-8.33%	26.68% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.03% -35.4% YoY -75.0% QoQ	-0.64%	0.67% +1.9% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	20%

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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 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

452

Nonperforming Asset Ratio

credit_quality

Value: 1.44%

Peer Median: 0.79%

#452 of 541 Bottom 16.6% in under $100M

425

Delinquency Rate

credit_quality

Value: 2.26%

Peer Median: 1.37%

#425 of 521 Bottom 18.6% in under $100M

436

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#436 of 541 Bottom 19.6% in under $100M