BlastPoint's Banking Scorecard

Commercial State Bank

$100M-$1B Specialty: Commercial NE FDIC cert 13819

Wausa, NE

3 branches across NE

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

Commercial State Bank has 3 strengths but faces 1 concern

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

+ ROA 0.46% above tier average
+ Efficiency Ratio 11.67% below tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 31.4% in tier

Get updates when Commercial State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$254.0M +7.8% YoY +3.3% QoQ	-$132.1M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$211.6M +6.1% YoY +1.4% QoQ	-$44.1M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$227.3M +7.4% YoY +3.7% QoQ	-$100.6M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.73% +11.2% YoY +2.3% QoQ	+0.46%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	3.94% +12.3% YoY +4.4% QoQ	+0.01%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	53.62% -0.7% YoY +4.3% QoQ	-11.67%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.19% -5.1% YoY +21.3% QoQ	-0.70%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	93.10% -1.2% YoY -2.3% QoQ	+16.46%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	11.39% -14.4% YoY -1.4% QoQ	-10.63%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	Bottom 13.7% in tier
Nonperforming Asset Ratio ?	0.16% -6.6% YoY +19.0% QoQ	-0.48%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	9.82% +3.7% YoY +2.4% QoQ	-6.01%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 7.5% in tier
Non-Interest Income / Assets ?	0.08% -17.5% YoY -79.3% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	36%

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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 (1)

Liquidity Strain

risk

#203 of 643 • Bottom 31.4% 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: 93.10%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (2 metrics)

568

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.27%

#568 of 2664 Top 21.3% in $100M-$1B

608

Efficiency Ratio

profitability

Value: 53.62%

Peer Median: 65.29%

#608 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (3 metrics)

2464

Tier 1 Capital Ratio

capital

Value: 9.82%

Peer Median: 15.83%

#2464 of 2664 Bottom 7.5% in $100M-$1B

2301

Non-Interest-Bearing Deposit Share

funding

Value: 11.39%

Peer Median: 22.02%

#2301 of 2664 Bottom 13.7% in $100M-$1B

2182

Loan-to-Deposit Ratio

liquidity

Value: 93.10%

Peer Median: 76.64%

#2182 of 2664 Bottom 18.1% in $100M-$1B