BlastPoint's Banking Scorecard
Sandhills State Bank
North Platte, NE
10 branches across NE
Sandhills State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.29% above tier average
- + Efficiency Ratio 7.40% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$374.8M
+5.5% YoY
-4.5% QoQ
|
-$11.3M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$259.0M
+0.3% YoY
-3.0% QoQ
|
+$3.3M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
61% |
| Total Deposits ? |
$339.9M
+8.8% YoY
-4.9% QoQ
|
+$11.9M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.56%
+11.1% YoY
+13.9% QoQ
|
+0.29% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
3.94%
+3.9% YoY
+3.3% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
57.88%
-1.5% YoY
-1.7% QoQ
|
-7.40% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
0.13%
+31.3% YoY
-0.1% QoQ
|
-0.75% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
76.20%
-7.9% YoY
+2.0% QoQ
|
-0.44% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
19.38%
+4.5% YoY
+1.9% QoQ
|
-2.64% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.09%
+24.8% YoY
+1.5% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.10%
+1.2% YoY
+3.2% QoQ
|
-4.73% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.03%
-16.8% YoY
-75.4% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.3% 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 (1)
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.