BlastPoint's Banking Scorecard
Brunswick State Bank
Brunswick, NE
3 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +2.4% year over year ($158.6M on the books).
- Delinquency rate 1.32%.
- Return on assets 1.25%.
- Efficiency ratio 60.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 93.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Brunswick State Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.53% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.8% in tier
- - Liquidity Strain: Bottom 15.6% in tier
- - Capital Thin: Bottom 16.8% in tier
- - Margin Compression: Bottom 30.3% in tier
- - Credit Quality Pressure: Bottom 44.2% in tier
- - Non-Interest Income / Assets 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.6M
+2.4% YoY
+0.6% QoQ
|
-$211.0M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$148.3M
+2.1% YoY
-0.6% QoQ
|
-$110.1M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$158.6M
+2.4% YoY
+0.4% QoQ
|
-$168.2M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.25%
-17.1% YoY
+8.1% QoQ
|
-0.07% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
3.95%
+1.8% YoY
-1.6% QoQ
|
-0.04% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
60.95%
+7.3% YoY
-2.0% QoQ
|
-3.53% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
1.32%
+2.3% YoY
+97.5% QoQ
|
+0.40% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
93.51%
-0.3% YoY
-0.9% QoQ
|
+15.56% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
15.46%
-5.6% YoY
-8.0% QoQ
|
-6.57% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.41%
+28.9% YoY
+146.8% QoQ
|
+0.74% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
9.39%
-0.1% YoY
-1.5% QoQ
|
-6.52% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.9% in tier |
| Non-Interest Income / Assets ? |
0.06%
-24.7% YoY
+133.5% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.9% 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 |
15.5%
-0.9pp YoY -1.3pp QoQ |
-6.7pp | 22.1% | 17.6% | 22.2% | 26% |
| Brokered Deposits |
4.7%
-0.5pp YoY +0.1pp QoQ |
-3.2pp | 7.9% | 8.9% | 8.5% | 50% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.0%
+1.1pp YoY +1.6pp QoQ |
+13.4pp | 11.6% | 12.3% | 12.5% | 93% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
1.4%
-0.3pp YoY -0.1pp QoQ |
-31.2pp | 32.6% | 16.9% | 31.3% | 2% |
| Consumer |
4.5%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 4.1% | 3.1% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
9.4%
0.0pp YoY -0.1pp QoQ |
-2.8pp | 12.2% | 12.1% | 12.6% | 19% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
-3 (-13.6%) YoY 0 QoQ |
-40 | 58 | 98 | 482 | 9% |
| Assets per Employee ($) |
$9.2M
+18.6% YoY +0.6% QoQ |
+$1.7M | $7.5M | $8.5M | $8.8M | 81% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.3%
0.0pp YoY +0.7pp QoQ |
+0.4pp | 0.9% | 0.8% | 1.0% | 78% |
| Allowance Coverage |
1.31x
+31.5% YoY -28.6% QoQ |
-22.85x | 24.15x | 31.69x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
-0.9%
-1.0pp YoY -0.9pp QoQ |
-1.0pp | 0.1% | 0.1% | 0.2% | 0% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.4%
-3.1pp YoY +1.0pp QoQ |
+1.2pp | 12.2% | 12.3% | 11.6% | 58% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.9% | 1.7% | 95% |
| Net Income ($, YTD) |
$1.1M
-16.9% YoY — QoQ |
-$1.5M | $2.6M | $6.1M | $40.4M | 29% |
Get Full Access to Brunswick State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.