BlastPoint's Banking Scorecard
Bank of Hartington
Hartington, NE
2 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 +11.4% year over year ($136.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.43%.
- Efficiency ratio 64.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 81.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Hartington has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.11% above tier average
- + Net Interest Margin 0.46% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.21% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.0M
+9.6% YoY
+2.7% QoQ
|
-$235.6M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.2% in tier |
| Total Loans ? |
$111.6M
+9.9% YoY
+4.9% QoQ
|
-$146.8M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$136.9M
+11.4% YoY
+2.4% QoQ
|
-$189.8M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.43%
+13.0% YoY
-0.8% QoQ
|
+0.11% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
4.45%
+3.9% YoY
+3.4% QoQ
|
+0.46% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
64.69%
-1.7% YoY
+1.6% QoQ
|
+0.21% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
81.51%
-1.3% YoY
+2.5% QoQ
|
+3.56% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
19.09%
-8.2% YoY
-13.7% QoQ
|
-2.94% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.39%
-2.1% YoY
-1.7% QoQ
|
-4.52% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.19%
+3.2% YoY
+82.9% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
48% |
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 |
19.1%
-1.7pp YoY -3.0pp QoQ |
-3.1pp | 22.1% | 17.6% | 22.2% | 41% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.5%
-1.3pp YoY -0.3pp QoQ |
+2.9pp | 11.6% | 12.3% | 12.5% | 74% |
| CRE |
8.9%
-1.9pp YoY -0.4pp QoQ |
-30.6pp | 39.5% | 32.3% | 41.4% | 4% |
| 1-4 Family |
8.4%
+1.4pp YoY +0.3pp QoQ |
-24.3pp | 32.6% | 16.9% | 31.3% | 9% |
| Consumer |
2.3%
0.0pp YoY -0.1pp QoQ |
-1.8pp | 4.1% | 3.1% | 5.0% | 52% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.4%
-0.2pp YoY -0.2pp QoQ |
-7.4pp | 18.8% | 16.1% | 19.7% | 11% |
| Leverage Ratio |
9.0%
-0.5pp YoY +0.1pp QoQ |
-3.1pp | 12.2% | 12.1% | 12.6% | 12% |
| Total Capital Ratio |
12.5%
-0.2pp YoY -0.2pp QoQ |
-7.4pp | 19.9% | 17.3% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
-1 (-3.8%) YoY +2 (+8.7%) QoQ |
-34 | 58 | 98 | 482 | 19% |
| Assets per Employee ($) |
$6.0M
+14.0% YoY -5.5% QoQ |
-$1.5M | $7.5M | $8.5M | $8.8M | 34% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.2%
+1.2pp YoY -0.5pp QoQ |
+5.0pp | 12.2% | 12.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.0%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.9% | 1.7% | 69% |
| Net Income ($, YTD) |
$1.1M
+23.1% YoY — QoQ |
-$1.5M | $2.6M | $6.1M | $40.4M | 29% |
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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.