BlastPoint's Banking Scorecard
Commercial Bank
Designations: ✓ Community bank
Nelson, 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits -7.0% year over year ($47.0M on the books).
- Delinquency rate 3.10%.
- Return on assets 1.05%.
- Efficiency ratio 67.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.05% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio 52.15% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.28% above tier average
- - Delinquency Rate 1.62% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$56.5M
-2.7% YoY
-1.7% QoQ
|
-$6.0M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$38.6M
+3.0% YoY
+5.2% QoQ
|
+$3.7M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$47.0M
-7.0% YoY
-5.4% QoQ
|
-$4.6M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.05%
+98.3% YoY
+0.7% QoQ
|
+0.05% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.37%
+11.2% YoY
+0.8% QoQ
|
+0.45% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
67.25%
-11.2% YoY
-1.5% QoQ
|
-52.15% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
3.10%
+190.6% YoY
+37.3% QoQ
|
+1.62% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 12.0% in tier |
| Loan-to-Deposit Ratio ? |
82.05%
+10.7% YoY
+11.1% QoQ
|
+7.85% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
16.13%
+9.7% YoY
-8.1% QoQ
|
-7.36% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
2.12%
+207.6% YoY
+46.8% QoQ
|
+1.28% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 9.7% in tier |
| Tier 1 Capital Ratio ? |
19.01%
+7.6% YoY
+3.6% QoQ
|
-8.12% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.05%
-17.8% YoY
+89.8% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
18% |
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 |
16.1%
+1.4pp YoY -1.4pp QoQ |
-8.5pp | 24.6% | 17.6% | 22.2% | 23% |
| Brokered Deposits |
24.5%
-8.5pp YoY -2.9pp QoQ |
+14.7pp | 9.8% | 8.9% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.1%
-1.7pp YoY -2.5pp QoQ |
+18.7pp | 13.4% | 12.3% | 12.5% | 93% |
| CRE | 15.8% | -9.4pp | 25.2% | 32.3% | 41.4% | 37% |
| 1-4 Family |
0.0%
0.0pp YoY 0.0pp QoQ |
-34.9pp | 35.0% | 16.9% | 31.3% | 0% |
| Consumer |
2.5%
0.0pp YoY 0.0pp QoQ |
-5.2pp | 7.7% | 3.1% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.0%
+1.3pp YoY +0.7pp QoQ |
-19.7pp | 38.7% | 16.1% | 19.7% | 39% |
| Leverage Ratio |
15.2%
+1.1pp YoY +1.0pp QoQ |
-2.5pp | 17.7% | 12.1% | 12.6% | 70% |
| Total Capital Ratio |
20.1%
+1.3pp YoY +0.7pp QoQ |
-19.5pp | 39.7% | 17.3% | 20.8% | 39% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
-1 (-14.3%) YoY 0 QoQ |
-6 | 12 | 98 | 482 | 13% |
| Assets per Employee ($) |
$9.4M
+13.5% YoY -1.7% QoQ |
+$3.2M | $6.2M | $8.5M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
3.1%
+2.0pp YoY +0.8pp QoQ |
+1.4pp | 1.7% | 0.8% | 1.0% | 87% |
| Allowance Coverage |
0.43x
-69.6% YoY -31.0% QoQ |
-5.98x | 6.41x | 31.69x | 20.23x | 16% |
| Net Charge-off Rate (YTD) |
0.3%
-0.3pp YoY |
+0.1pp | 0.2% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
+3.5pp YoY -0.1pp QoQ |
+1.4pp | 6.4% | 12.3% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY -0.1pp QoQ |
+0.2pp | 1.4% | 1.9% | 1.7% | 67% |
| Net Income ($, YTD) |
$304,000
+93.6% YoY — QoQ |
-$14K | $317,817 | $6.1M | $40.4M | 53% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.