BlastPoint's Banking Scorecard

Brunswick State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 13692

Brunswick, NE

3 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Brunswick State Bank has 3 strengths but faces 5 concerns

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

+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 3.12% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 7.2% in tier
- Capital Thin: Bottom 8.3% in tier
- Liquidity Strain: Bottom 31.0% in tier
- Cost Spiral: Bottom 51.6% in tier
- Non-Interest Income / Assets 0.26% below 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 ?	$174.6M +0.6% YoY +2.2% QoQ	-$211.5M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$149.1M +5.2% YoY +2.1% QoQ	-$106.6M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	36%
Total Deposits ?	$158.0M +0.4% YoY +2.3% QoQ	-$170.0M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	1.16% -29.1% YoY +18.7% QoQ	-0.11%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	4.01% +2.4% YoY -1.5% QoQ	+0.08%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	57%
Efficiency Ratio ?	62.17% +15.5% YoY +10.8% QoQ	-3.12%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	53%
Delinquency Rate ?	0.67% -23.4% YoY -6.3% QoQ	-0.22%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	94.39% +4.7% YoY -0.2% QoQ	+17.76%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	16.80% -7.7% YoY -14.5% QoQ	-5.22%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.57% -19.9% YoY -6.4% QoQ	-0.07%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	9.54% +1.0% YoY +1.1% QoQ	-6.30%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 5.0% in tier
Non-Interest Income / Assets ?	0.02% -28.8% YoY -83.4% QoQ	-0.26%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Bottom 5.6% in tier

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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 (4)

Margin Compression

decline

#23 of 305 • Bottom 7.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.16%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

Capital Thin

risk

#56 of 666 • Bottom 8.3% 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: 9.54%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#200 of 643 • Bottom 31.0% 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: 94.39%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Cost Spiral

risk

#66 of 126 • Bottom 51.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 62.17%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2533

Tier 1 Capital Ratio

capital

Value: 9.54%

Peer Median: 15.83%

#2533 of 2664 Bottom 5.0% in $100M-$1B

2515

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2515 of 2664 Bottom 5.6% in $100M-$1B

2241

Loan-to-Deposit Ratio

liquidity

Value: 94.39%

Peer Median: 76.64%

#2241 of 2664 Bottom 15.9% in $100M-$1B

2119

Total Assets

size

Value: $174.60M

Peer Median: $386.08M

#2119 of 2664 Bottom 20.5% in $100M-$1B

2046

Total Deposits

size

Value: $157.97M

Peer Median: $327.97M

#2046 of 2664 Bottom 23.2% in $100M-$1B