BlastPoint's Banking Scorecard

Adams County Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 14311

Kenesaw, NE

2 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Adams County Bank has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 49.0% in tier
+ Efficiency Ratio 23.87% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 29.1% in tier
- Liquidity Overhang: Bottom 33.2% in tier
- Net Interest Margin 0.67% below tier average

Get updates when Adams County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$241.6M +0.2% YoY +0.6% QoQ	-$144.5M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	35%
Total Loans ?	$147.9M +5.0% YoY -5.4% QoQ	-$107.8M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$157.4M -1.5% YoY +5.9% QoQ	-$170.6M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	1.84% +24.1% YoY +30.1% QoQ	+0.57%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	3.26% +16.7% YoY +13.3% QoQ	-0.67%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	41.42% -6.8% YoY -13.5% QoQ	-23.87%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 5.2% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	93.97% +6.6% YoY -10.7% QoQ	+17.33%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	19.88% +6.3% YoY +8.7% QoQ	-2.14%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	45%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.28% +10.7% YoY +4.7% QoQ	+0.45%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	74%
Non-Interest Income / Assets ?	0.03% +52.4% YoY -88.3% QoQ	-0.25%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Bottom 10.7% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#327 of 666 • Top 49.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (2)

Liquidity Strain

risk

#188 of 643 • Bottom 29.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#246 of 739 • Bottom 33.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.28%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 93.97%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

140

Efficiency Ratio

profitability

Value: 41.42%

Peer Median: 65.29%

#140 of 2664 Top 5.2% in $100M-$1B

458

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.27%

#458 of 2664 Top 17.2% in $100M-$1B

Top Weaknesses (4 metrics)

2380

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2380 of 2664 Bottom 10.7% in $100M-$1B

2223

Loan-to-Deposit Ratio

liquidity

Value: 93.97%

Peer Median: 76.64%

#2223 of 2664 Bottom 16.6% in $100M-$1B

2127

Net Interest Margin

profitability

Value: 3.26%

Peer Median: 3.93%

#2127 of 2664 Bottom 20.2% in $100M-$1B

2051

Total Deposits

size

Value: $157.36M

Peer Median: $327.97M

#2051 of 2664 Bottom 23.0% in $100M-$1B