BlastPoint's Banking Scorecard
Dayspring Bank
Designations: ✓ Community bank
Gothenburg, NE
8 branches across NE
Dayspring Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.4% in tier
- - Credit Risk Growth: Bottom 31.3% in tier
- - ROA 0.36% below tier average
- - Net Interest Margin 0.91% below tier average
- - Efficiency Ratio 1.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+3.7% YoY
+2.5% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.0% YoY
|
16% |
| Total Loans ? |
$818.8M
+6.7% YoY
+2.5% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
16% |
| Total Deposits ? |
$920.0M
+0.7% YoY
-0.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.0% YoY
|
Bottom 8.8% in tier |
| Return on Assets ? |
1.00%
+52.0% YoY
+15.8% QoQ
|
-0.36% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.24%
+13.1% YoY
|
33% |
| Net Interest Margin ? |
2.91%
+27.9% YoY
+17.3% QoQ
|
-0.91% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio ? |
62.23%
+0.9% YoY
+6.4% QoQ
|
+1.18% |
61.05%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.84%
-3.8% YoY
|
42% |
| Delinquency Rate ? |
1.81%
+6.6% YoY
+1.5% QoQ
|
+0.92% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.9% in tier |
| Loan-to-Deposit Ratio ? |
89.00%
+5.9% YoY
+2.6% QoQ
|
+4.79% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.69%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
10.79%
+2.1% YoY
+6.3% QoQ
|
-10.49% |
21.28%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.1% YoY
|
Bottom 13.7% in tier |
| Nonperforming Asset Ratio ? |
1.33%
+17.0% YoY
+3.4% QoQ
|
+0.66% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.66%
+19.3% YoY
|
Bottom 12.9% in tier |
| Tier 1 Capital Ratio ? |
10.52%
+1.6% YoY
+0.3% QoQ
|
-4.65% |
15.17%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.4% in tier |
| Non-Interest Income / Assets ? |
0.18%
-3.3% YoY
-77.0% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.0% YoY
|
66% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.