BlastPoint's Banking Scorecard
Nebraska State Bank
Designations: ✓ Community bank
Bristow, NE
Nebraska State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.62% above tier average
- + Efficiency Ratio 11.80% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.73% above tier average
- - Nonperforming Asset Ratio 2.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.3M
+8.4% YoY
+13.5% QoQ
|
-$36.8M |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.5% in tier |
| Total Loans ? |
$17.0M
+27.1% YoY
+21.9% QoQ
|
-$17.2M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$21.5M
+9.1% YoY
+15.6% QoQ
|
-$30.3M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.3% in tier |
| Return on Assets ? |
0.79%
-29.7% YoY
-25.3% QoQ
|
-0.05% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
4.48%
-3.8% YoY
+1.4% QoQ
|
+0.62% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
76.54%
+13.4% YoY
+11.5% QoQ
|
-11.80% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
5.11%
+148.9% YoY
+44.8% QoQ
|
+3.73% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 5.6% in tier |
| Loan-to-Deposit Ratio ? |
79.31%
+16.5% YoY
+5.4% QoQ
|
+15.09% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
30.30%
+8.1% YoY
+10.7% QoQ
|
+6.58% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? |
3.43%
+191.8% YoY
+55.5% QoQ
|
+2.64% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.3% in tier |
| Tier 1 Capital Ratio ? |
14.61%
-2.2% YoY
-4.4% QoQ
|
-12.07% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.02%
-7.8% YoY
-84.3% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.3% in tier |
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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.