BlastPoint's Banking Scorecard

Dayspring Bank

$1B-$10B Specialty: Agricultural NE FDIC cert 13622

Designations: ✓ Community bank

Gothenburg, NE

8 branches across 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
Deposits +0.2% year over year ($927.6M on the books).
Delinquency rate 1.75%.
Return on assets 1.06%.
Efficiency ratio 60.34% vs a 59.73% peer average.
Loan-to-deposit ratio 92.12% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in NE

View $1B-$10B leaderboard (NE) →

Dayspring Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 35.5% in tier
- Capital Thin: Bottom 44.1% in tier
- ROA 0.33% below tier average
- Net Interest Margin 0.97% below tier average
- Efficiency Ratio 0.61% above tier average
- Delinquency Rate 0.89% above tier average

Get updates when Dayspring Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.2B +6.8% YoY +4.0% QoQ	-$1.6B	$2.8B -0.6% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$854.5M +8.3% YoY +4.4% QoQ	-$1.1B	$2.0B -0.3% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$927.6M +0.2% YoY +0.8% QoQ	-$1.4B	$2.3B -0.5% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 10.6% in tier
Return on Assets ?	1.06% +48.7% YoY +5.5% QoQ	-0.33%	1.39% +17.0% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	34%
Net Interest Margin ?	2.90% +23.0% YoY -0.4% QoQ	-0.97%	3.87% +6.2% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	Bottom 11.6% in tier
Efficiency Ratio ?	60.34% +4.2% YoY -3.0% QoQ	+0.61%	59.73% -12.6% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	1.75% +70.1% YoY -3.0% QoQ	+0.89%	0.87% +11.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Bottom 11.5% in tier
Loan-to-Deposit Ratio ?	92.12% +8.1% YoY +3.5% QoQ	+7.09%	85.04% -0.1% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	34%
Non-Interest-Bearing Deposit Share ?	11.76% +6.1% YoY +9.0% QoQ	-9.51%	21.27% -1.5% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	15%
Nonperforming Asset Ratio ?	1.27% +12.5% YoY -4.4% QoQ	+0.60%	0.67% +11.7% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Bottom 14.2% in tier
Tier 1 Capital Ratio ?	10.71% +4.5% YoY +1.9% QoQ	-4.13%	14.84% -0.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	Bottom 13.3% in tier
Non-Interest Income / Assets ?	0.33% -26.0% YoY +80.3% QoQ	-0.20%	0.53% +2.5% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	58%

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	11.8% +0.7pp YoY +1.0pp QoQ	-9.6pp	21.4%	17.6%	22.2%	15%
Brokered Deposits	38.8% +2.1pp YoY -0.1pp QoQ	+29.3pp	9.5%	8.9%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	8.0% -1.1pp YoY +0.8pp QoQ	-6.0pp	14.0%	12.3%	12.5%	33%
CRE	38.8% +1.4pp YoY -0.7pp QoQ	-11.2pp	50.0%	32.3%	41.4%	22%
1-4 Family	22.3% +0.1pp YoY +0.3pp QoQ	-4.1pp	26.4%	16.9%	31.3%	48%
Consumer	1.4% -0.5pp YoY -0.1pp QoQ	-3.3pp	4.7%	3.1%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	16.1%	19.7%	n/a
Leverage Ratio	10.7% +0.5pp YoY +0.2pp QoQ	-0.6pp	11.3%	12.1%	12.6%	54%
Total Capital Ratio	n/a	n/a	16.7%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	121 +10 (+9.0%) YoY 0 QoQ	-193	313	98	482	13%
Assets per Employee ($)	$10.2M -2.0% YoY +4.0% QoQ	-$306K	$10.5M	$8.5M	$8.8M	67%
Branch Count	8 -2 (-20.0%) YoY -1 (-11.1%) QoQ	-12	20	7	18	20%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY -0.5pp QoQ	0.0pp	0.2%	0.4%	0.4%	82%
Nonaccrual	1.6% +0.8pp YoY +0.4pp QoQ	+0.8pp	0.8%	0.8%	1.0%	88%
Allowance Coverage	0.74x -45.6% YoY +3.7% QoQ	-17.97x	18.71x	31.69x	20.23x	14%
Net Charge-off Rate (YTD)	-0.0% -1.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	10.2% +2.9pp YoY +0.6pp QoQ	-2.4pp	12.6%	12.3%	11.6%	35%
Cost of Funds (YTD)	3.0% -0.5pp YoY -0.1pp QoQ	+1.1pp	1.9%	1.9%	1.7%	96%
Net Income ($, YTD)	$6.3M +56.7% YoY — QoQ	-$12.9M	$19.2M	$6.1M	$40.4M	18%

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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 (2)

Liquidity Strain

risk

#129 of 361 • Bottom 35.5% 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: 92.12%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Thin

risk

#99 of 222 • Bottom 44.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.71%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

792

Total Deposits

size

Value: $927.56M

Peer Median: $2.32B

#792 of 885 Bottom 10.6% in $1B-$10B

782

Delinquency Rate

credit_quality

Value: 1.75%

Peer Median: 0.87%

#782 of 882 Bottom 11.5% in $1B-$10B

783

Net Interest Margin

profitability

Value: 2.90%

Peer Median: 3.87%

#783 of 885 Bottom 11.6% in $1B-$10B

768

Tier 1 Capital Ratio

capital

Value: 10.71%

Peer Median: 14.84%

#768 of 885 Bottom 13.3% in $1B-$10B

760

Nonperforming Asset Ratio

credit_quality

Value: 1.27%

Peer Median: 0.67%

#760 of 885 Bottom 14.2% in $1B-$10B

749

Non-Interest-Bearing Deposit Share

funding

Value: 11.76%

Peer Median: 21.27%

#749 of 885 Bottom 15.5% in $1B-$10B

724

Total Loans

size

Value: $854.49M

Peer Median: $1.96B

#724 of 885 Bottom 18.3% in $1B-$10B

716

Total Assets

size

Value: $1.23B

Peer Median: $2.79B

#716 of 885 Bottom 19.2% in $1B-$10B