BlastPoint's Banking Scorecard
Generations Bank
Designations: ✓ Community bank
Exeter, 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 +0.1% year over year ($46.8M on the books).
- Delinquency rate 1.93%.
- Return on assets 0.81%.
- Efficiency ratio 71.33% vs a 119.40% peer average.
- Loan-to-deposit ratio 92.68% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Generations Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 48.07% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.25% below tier average
- - Delinquency Rate 0.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.3M
+6.8% YoY
-2.1% QoQ
|
-$4.2M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$43.4M
+9.0% YoY
-2.8% QoQ
|
+$8.5M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$46.8M
+0.1% YoY
-3.0% QoQ
|
-$4.8M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
0.81%
+5.0% YoY
+22.7% QoQ
|
-0.19% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.67%
-2.5% YoY
+2.5% QoQ
|
-0.25% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
71.33%
-2.4% YoY
-6.0% QoQ
|
-48.07% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
1.93%
+982.9% YoY
+2.7% QoQ
|
+0.45% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
92.68%
+8.9% YoY
+0.2% QoQ
|
+18.47% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.58%
+15.8% YoY
-6.7% QoQ
|
-1.91% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
1.44%
+2.0% QoQ
|
+0.60% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
10.58%
-2.9% YoY
+3.9% QoQ
|
-16.55% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.5% in tier |
| Non-Interest Income / Assets ? |
0.21%
+4.6% YoY
+101.0% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
21.6%
+2.9pp YoY -1.5pp QoQ |
-3.1pp | 24.6% | 17.6% | 22.2% | 42% |
| Brokered Deposits |
6.4%
+2.1pp YoY -1.9pp QoQ |
-3.4pp | 9.8% | 8.9% | 8.5% | 49% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.7%
-2.1pp YoY -0.9pp QoQ |
+0.3pp | 13.4% | 12.3% | 12.5% | 63% |
| CRE |
13.8%
+1.3pp YoY -0.4pp QoQ |
-11.4pp | 25.2% | 32.3% | 41.4% | 26% |
| 1-4 Family |
29.9%
+1.3pp YoY +2.5pp QoQ |
-5.1pp | 35.0% | 16.9% | 31.3% | 49% |
| Consumer |
3.1%
-1.3pp YoY -0.3pp QoQ |
-4.5pp | 7.7% | 3.1% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
10.6%
-0.3pp YoY +0.4pp QoQ |
-7.1pp | 17.7% | 12.1% | 12.6% | 24% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
-1 (-9.1%) YoY 0 QoQ |
-2 | 12 | 98 | 482 | 43% |
| Assets per Employee ($) |
$5.8M
+17.5% YoY -2.1% QoQ |
-$361K | $6.2M | $8.5M | $8.8M | 47% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.9%
+1.8pp YoY +0.1pp QoQ |
+0.2pp | 1.7% | 0.8% | 1.0% | 73% |
| Allowance Coverage |
0.81x
-90.5% YoY +2.4% QoQ |
-5.60x | 6.41x | 31.69x | 20.23x | 37% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
-0.5pp YoY +1.3pp QoQ |
+1.7pp | 6.4% | 12.3% | 11.6% | 50% |
| Cost of Funds (YTD) |
2.2%
0.0pp YoY 0.0pp QoQ |
+0.8pp | 1.4% | 1.9% | 1.7% | 88% |
| Net Income ($, YTD) |
$242,000
+14.7% YoY — QoQ |
-$76K | $317,817 | $6.1M | $40.4M | 42% |
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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.