BlastPoint's Banking Scorecard
Commercial State Bank
Wausa, 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 +9.4% year over year ($237.3M on the books).
- Delinquency rate 0.12%.
- Return on assets 1.83%.
- Efficiency ratio 51.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 91.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.51% above tier average
- + Efficiency Ratio 13.34% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.5% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$264.4M
+9.7% YoY
+4.1% QoQ
|
-$122.1M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$216.4M
+7.1% YoY
+2.3% QoQ
|
-$41.9M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$237.3M
+9.4% YoY
+4.4% QoQ
|
-$89.4M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.83%
+10.9% YoY
+6.2% QoQ
|
+0.51% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
3.96%
+9.1% YoY
+0.5% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
51.14%
-3.4% YoY
-4.6% QoQ
|
-13.34% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
0.12%
-41.8% YoY
-35.8% QoQ
|
-0.80% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
91.21%
-2.1% YoY
-2.0% QoQ
|
+13.26% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
10.64%
-5.3% YoY
-6.6% QoQ
|
-11.39% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.8% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-43.2% YoY
-36.9% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
9.64%
+2.0% YoY
-1.8% QoQ
|
-6.26% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 6.5% in tier |
| Non-Interest Income / Assets ? |
0.15%
-10.8% YoY
+101.0% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
10.6%
-0.6pp YoY -0.8pp QoQ |
-11.5pp | 22.1% | 17.6% | 22.2% | 11% |
| Brokered Deposits |
5.3%
-0.3pp YoY -1.3pp QoQ |
-2.6pp | 7.9% | 8.9% | 8.5% | 54% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.4%
-0.3pp YoY -0.3pp QoQ |
+7.9pp | 11.6% | 12.3% | 12.5% | 87% |
| CRE |
36.3%
+1.9pp YoY +0.5pp QoQ |
-3.3pp | 39.5% | 32.3% | 41.4% | 45% |
| 1-4 Family |
18.5%
0.0pp YoY 0.0pp QoQ |
-14.2pp | 32.6% | 16.9% | 31.3% | 27% |
| Consumer |
3.8%
-0.9pp YoY -0.1pp QoQ |
-0.3pp | 4.1% | 3.1% | 5.0% | 68% |
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 |
9.6%
+0.2pp YoY -0.2pp QoQ |
-2.5pp | 12.2% | 12.1% | 12.6% | 24% |
| 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 |
25
+1 (+4.2%) YoY +1 (+4.2%) QoQ |
-34 | 58 | 98 | 482 | 19% |
| Assets per Employee ($) |
$10.6M
+5.3% YoY 0.0% QoQ |
+$3.1M | $7.5M | $8.5M | $8.8M | 88% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 7 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 21% |
| Allowance Coverage |
9.20x
+73.0% YoY +51.1% QoQ |
-14.95x | 24.15x | 31.69x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.1%
+1.1pp YoY +1.3pp QoQ |
+6.9pp | 12.2% | 12.3% | 11.6% | 85% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.9% | 1.7% | 93% |
| Net Income ($, YTD) |
$2.3M
+19.5% YoY — QoQ |
-$219K | $2.6M | $6.1M | $40.4M | 59% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.