BlastPoint's Banking Scorecard
Great Plains State Bank
Petersburg, NE
5 branches across NE
Great Plains State Bank faces 8 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 19.5% in tier
- - Liquidity Strain: Bottom 41.1% in tier
- - Delinquency Rate 2.79% above tier average
- - Nonperforming Asset Ratio 2.46% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.48% below tier average
- - Net Interest Margin 0.35% below tier average
- - Efficiency Ratio 0.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$378.3M
-0.5% YoY
+2.5% QoQ
|
-$7.8M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
58% |
| Total Loans ? |
$298.0M
+9.3% YoY
-1.2% QoQ
|
+$42.2M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$324.5M
+3.8% YoY
+7.9% QoQ
|
-$3.5M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.78%
-3.0% YoY
-13.3% QoQ
|
-0.48% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
25% |
| Net Interest Margin ? |
3.58%
+7.0% YoY
+2.6% QoQ
|
-0.35% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
66.05%
-3.1% YoY
+2.4% QoQ
|
+0.76% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
42% |
| Delinquency Rate ? |
3.67%
+60.3% QoQ
|
+2.79% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.9% in tier |
| Loan-to-Deposit Ratio ? |
91.82%
+5.4% YoY
-8.5% QoQ
|
+15.18% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
9.70%
-9.9% YoY
-9.3% QoQ
|
-12.32% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.2% in tier |
| Nonperforming Asset Ratio ? |
3.10%
+48.7% QoQ
|
+2.46% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 2.8% in tier |
| Tier 1 Capital Ratio ? |
11.98%
+4.7% YoY
+1.7% QoQ
|
-3.85% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.03%
-2.2% YoY
-80.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.1% 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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.