BlastPoint's Banking Scorecard
Nebraska State Bank
Designations: ✓ Community bank
Bristow, 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 +61.7% year over year ($32.8M on the books).
- Delinquency rate 2.29%.
- Return on assets -0.19%.
- Efficiency ratio 77.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 56.62% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Nebraska State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.92% above tier average
- + Net Interest Margin 0.62% above tier average
- + Efficiency Ratio 41.66% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.35% below tier average
- - ROA 1.18% below tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.6M
+51.9% YoY
+44.4% QoQ
|
-$25.8M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$18.6M
+38.4% YoY
+9.2% QoQ
|
-$16.3M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$32.8M
+61.7% YoY
+52.9% QoQ
|
-$18.8M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
-0.19%
-114.4% YoY
-123.5% QoQ
|
-1.18% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 11.4% in tier |
| Net Interest Margin ? |
4.54%
-2.0% YoY
+1.4% QoQ
|
+0.62% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
75% |
| Efficiency Ratio ? |
77.74%
+22.9% YoY
+1.6% QoQ
|
-41.66% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
37% |
| Delinquency Rate ? |
2.29%
-35.6% YoY
-55.2% QoQ
|
+0.80% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
56.62%
-14.4% YoY
-28.6% QoQ
|
-17.59% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
41.41%
+72.3% YoY
+36.7% QoQ
|
+17.92% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Top 7.8% in tier |
| Nonperforming Asset Ratio ? |
1.16%
-41.3% YoY
-66.2% QoQ
|
+0.32% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.42%
-7.5% YoY
-8.1% QoQ
|
-13.70% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.03%
-53.0% YoY
+38.5% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.4% 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 |
41.4%
+17.4pp YoY +11.1pp QoQ |
+16.8pp | 24.6% | 17.6% | 22.2% | 92% |
| Brokered Deposits |
9.5%
+2.1pp YoY +2.5pp QoQ |
-0.3pp | 9.8% | 8.9% | 8.5% | 64% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.5%
-3.1pp YoY -2.7pp QoQ |
-4.9pp | 13.4% | 12.3% | 12.5% | 43% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
1.0%
-0.3pp YoY -0.1pp QoQ |
-34.0pp | 35.0% | 16.9% | 31.3% | 6% |
| Consumer |
1.0%
-1.6pp YoY -0.5pp QoQ |
-6.7pp | 7.7% | 3.1% | 5.0% | 11% |
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 |
13.4%
-1.1pp YoY -1.2pp QoQ |
-4.3pp | 17.7% | 12.1% | 12.6% | 56% |
| 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 |
6
+2 (+50.0%) YoY +1 (+20.0%) QoQ |
-6 | 12 | 98 | 482 | 13% |
| Assets per Employee ($) |
$6.1M
+1.3% YoY +20.3% QoQ |
-$89K | $6.2M | $8.5M | $8.8M | 52% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.3%
-0.4pp QoQ |
+0.5pp | 1.7% | 0.8% | 1.0% | 79% |
| Allowance Coverage |
0.56x
+117.2% YoY +286.7% QoQ |
-5.85x | 6.41x | 31.69x | 20.23x | 24% |
| Net Charge-off Rate (YTD) |
0.5%
+0.5pp YoY +0.6pp QoQ |
+0.3pp | 0.2% | 0.1% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-1.5%
-10.1pp YoY -6.7pp QoQ |
-7.9pp | 6.4% | 12.3% | 11.6% | 11% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY -0.1pp QoQ |
+0.2pp | 1.4% | 1.9% | 1.7% | 63% |
| Net Income ($, YTD) |
$-26000.0
-117.8% YoY — QoQ |
-$344K | $317,817 | $6.1M | $40.4M | 12% |
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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.