BlastPoint's Banking Scorecard
State Bank of Scotia
Designations: ✓ Community bank
Scotia, NE
State Bank of Scotia has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.78% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.31% below tier average
- - Delinquency Rate 4.63% above tier average
- - Nonperforming Asset Ratio 1.85% above tier average
- - ROA 0.27% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.6M
-2.3% YoY
+7.0% QoQ
|
-$529K |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$27.1M
-14.4% YoY
-4.4% QoQ
|
-$7.2M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$49.1M
-2.9% YoY
+9.0% QoQ
|
-$2.6M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
0.57%
-40.1% YoY
+27.2% QoQ
|
-0.27% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
33% |
| Net Interest Margin ? |
2.55%
-13.9% YoY
-8.2% QoQ
|
-1.31% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.6% in tier |
| Efficiency Ratio ? |
65.56%
+23.7% YoY
-5.4% QoQ
|
-22.78% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
6.00%
+97.9% YoY
+52.4% QoQ
|
+4.63% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.4% in tier |
| Loan-to-Deposit Ratio ? |
55.11%
-11.8% YoY
-12.3% QoQ
|
-9.11% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
17.22%
+31.9% YoY
+9.8% QoQ
|
-6.50% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
2.64%
+73.6% YoY
+31.6% QoQ
|
+1.85% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.7% in tier |
| Tier 1 Capital Ratio ? |
33.60%
+11.8% YoY
+2.1% QoQ
|
+6.92% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Top 13.5% in tier |
| Non-Interest Income / Assets ? |
0.04%
-27.3% YoY
-81.1% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
27% |
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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.