BlastPoint's Banking Scorecard
State Bank of Scotia
Designations: ✓ Community bank
Scotia, 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits -3.6% year over year ($48.6M on the books).
- Delinquency rate 8.07%.
- Return on assets 0.40%.
- Efficiency ratio 69.33% vs a 119.40% peer average.
- Loan-to-deposit ratio 53.69% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Scotia has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 50.06% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.50% below tier average
- - Delinquency Rate 6.59% above tier average
- - Nonperforming Asset Ratio 2.62% above tier average
- - ROA 0.60% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.0M
-3.1% YoY
-1.0% QoQ
|
-$1.5M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$26.1M
-11.7% YoY
-3.6% QoQ
|
-$8.8M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$48.6M
-3.6% YoY
-1.1% QoQ
|
-$3.0M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
0.40%
-44.6% YoY
-24.6% QoQ
|
-0.60% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
2.41%
-7.5% YoY
-3.9% QoQ
|
-1.50% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio ? |
69.33%
+17.9% YoY
+4.1% QoQ
|
-50.06% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
8.07%
+44.3% YoY
+32.6% QoQ
|
+6.59% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.1% in tier |
| Loan-to-Deposit Ratio ? |
53.69%
-8.4% YoY
-2.6% QoQ
|
-20.52% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
16.89%
+38.9% YoY
-1.9% QoQ
|
-6.60% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
3.45%
+31.5% YoY
+29.2% QoQ
|
+2.62% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.7% in tier |
| Tier 1 Capital Ratio ? |
34.30%
+9.2% YoY
+2.2% QoQ
|
+7.17% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 13.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-27.2% YoY
+97.5% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
16.9%
+4.7pp YoY -0.3pp QoQ |
-7.7pp | 24.6% | 17.6% | 22.2% | 26% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
4.9%
-1.4pp YoY -0.1pp QoQ |
-8.5pp | 13.4% | 12.3% | 12.5% | 20% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
11.0%
0.0pp YoY +0.2pp QoQ |
-23.9pp | 35.0% | 16.9% | 31.3% | 23% |
| Consumer |
3.5%
-0.7pp YoY -0.3pp QoQ |
-4.2pp | 7.7% | 3.1% | 5.0% | 36% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
34.3%
+2.9pp YoY +0.7pp QoQ |
-4.4pp | 38.7% | 16.1% | 19.7% | 76% |
| Leverage Ratio |
19.9%
+0.3pp YoY -0.7pp QoQ |
+2.2pp | 17.7% | 12.1% | 12.6% | 85% |
| Total Capital Ratio |
35.6%
+2.9pp YoY +0.7pp QoQ |
-4.1pp | 39.7% | 17.3% | 20.8% | 77% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 98 | 482 | 13% |
| Assets per Employee ($) |
$10.2M
-3.1% YoY -1.0% QoQ |
+$4.0M | $6.2M | $8.5M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.7pp YoY -0.2pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 13% |
| Nonaccrual |
8.0%
+3.2pp YoY +2.2pp QoQ |
+6.3pp | 1.7% | 0.8% | 1.0% | 97% |
| Allowance Coverage |
0.36x
-36.7% YoY -18.7% QoQ |
-6.05x | 6.41x | 31.69x | 20.23x | 11% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.1pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.0%
-1.7pp YoY -0.6pp QoQ |
-4.4pp | 6.4% | 12.3% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.9% | 1.7% | 84% |
| Net Income ($, YTD) |
$120,000
-45.7% YoY — QoQ |
-$198K | $317,817 | $6.1M | $40.4M | 26% |
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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.