BlastPoint's Banking Scorecard
Bank of Prague
Designations: ✓ Community bank
Prague, 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 +13.1% year over year ($43.0M on the books).
- Delinquency rate 1.23%.
- Return on assets 2.30%.
- Efficiency ratio 64.06% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.02% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Prague shows strong momentum with 5 strengths and 12.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.30% above tier average
- + Non-Interest Income / Assets 0.56% below tier average
- + Net Interest Margin 1.00% above tier average
- + Efficiency Ratio 55.33% below tier average
- + Delinquency Rate 0.25% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.5M
+12.3% YoY
-0.3% QoQ
|
-$14.0M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$34.4M
+15.6% YoY
+5.0% QoQ
|
-$499K |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$43.0M
+13.1% YoY
+0.2% QoQ
|
-$8.6M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
34% |
| Return on Assets ? |
2.30%
+34.1% YoY
-35.1% QoQ
|
+1.30% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 7.1% in tier |
| Net Interest Margin ? |
4.92%
-2.6% YoY
+1.2% QoQ
|
+1.00% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
85% |
| Efficiency Ratio ? |
64.06%
-2.4% YoY
+45.0% QoQ
|
-55.33% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
1.23%
+792.8% YoY
+68.5% QoQ
|
-0.25% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
80.02%
+2.2% YoY
+4.8% QoQ
|
+5.81% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
18.97%
+0.2% YoY
+7.7% QoQ
|
-4.52% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.87%
+818.9% YoY
+77.4% QoQ
|
+0.04% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
11.15%
-8.1% YoY
-5.3% QoQ
|
-15.97% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.4% in tier |
| Non-Interest Income / Assets ? |
0.82%
+10.9% YoY
+102.6% QoQ
|
-0.56% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Top 6.0% in tier |
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 |
19.0%
0.0pp YoY +1.4pp QoQ |
-5.7pp | 24.6% | 17.6% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.5%
-0.4pp YoY -0.5pp QoQ |
+12.1pp | 13.4% | 12.3% | 12.5% | 86% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
0.7%
-0.7pp YoY -0.1pp QoQ |
-34.3pp | 35.0% | 16.9% | 31.3% | 4% |
| Consumer |
18.6%
-2.5pp YoY -0.6pp QoQ |
+11.0pp | 7.7% | 3.1% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
11.2%
-1.0pp YoY -0.6pp QoQ |
-6.5pp | 17.7% | 12.1% | 12.6% | 31% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
+1 (+14.3%) YoY +1 (+14.3%) QoQ |
-4 | 12 | 98 | 482 | 29% |
| Assets per Employee ($) |
$6.1M
-1.8% YoY -12.7% QoQ |
-$131K | $6.2M | $8.5M | $8.8M | 51% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.5% | -0.4pp | 1.0% | 0.4% | 0.4% | 52% |
| Nonaccrual |
0.7%
+0.6pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
0.80x
-90.3% YoY -43.3% QoQ |
-5.61x | 6.41x | 31.69x | 20.23x | 37% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.1%
+6.0pp YoY -10.2pp QoQ |
+13.7pp | 6.4% | 12.3% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.9% | 1.7% | 79% |
| Net Income ($, YTD) |
$547,000
+48.6% YoY — QoQ |
+$229K | $317,817 | $6.1M | $40.4M | 79% |
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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.