BlastPoint's Banking Scorecard

Adams County Bank

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

Kenesaw, NE

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits -0.5% year over year ($154.6M on the books).
Delinquency rate 0.00%.
Return on assets 1.86%.
Efficiency ratio 39.28% vs a 64.48% peer average.
Loan-to-deposit ratio 99.23% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

Adams County Bank has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 23.8% in tier
+ Efficiency Ratio 25.20% below tier average
+ ROA 0.54% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 0.8% in tier
- Credit Risk Growth: Bottom 23.0% in tier
- Liquidity Overhang: Bottom 25.7% in tier
- Net Interest Margin 0.82% below tier average

Get updates when Adams County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$241.1M +1.6% YoY -0.2% QoQ	-$145.5M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$153.4M +7.2% YoY +3.7% QoQ	-$105.0M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$154.6M -0.5% YoY -1.8% QoQ	-$172.2M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	23%
Return on Assets ?	1.86% +18.2% YoY +1.2% QoQ	+0.54%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	3.17% +10.6% YoY -2.9% QoQ	-0.82%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	Bottom 14.9% in tier
Efficiency Ratio ?	39.28% -7.8% YoY -5.2% QoQ	-25.20%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 3.3% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Top 12.6% in tier
Loan-to-Deposit Ratio ?	99.23% +7.7% YoY +5.6% QoQ	+21.27%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	Bottom 11.1% in tier
Non-Interest-Bearing Deposit Share ?	17.14% +1.7% YoY -13.8% QoQ	-4.89%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Top 11.4% in tier
Tier 1 Capital Ratio ?	16.81% +10.6% YoY +3.2% QoQ	+0.90%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.07% +48.4% YoY +112.4% QoQ	-0.49%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Bottom 11.0% in tier

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	17.1% +0.3pp YoY -2.7pp QoQ	-5.0pp	22.1%	17.6%	22.2%	32%
Brokered Deposits	2.5% -0.1pp YoY 0.0pp QoQ	-5.3pp	7.9%	8.9%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	6.8% -0.1pp YoY +0.4pp QoQ	-4.8pp	11.6%	12.3%	12.5%	31%
CRE	5.9% -1.1pp YoY -0.6pp QoQ	-33.7pp	39.5%	32.3%	41.4%	2%
1-4 Family	12.3% +1.9pp YoY +0.6pp QoQ	-20.4pp	32.6%	16.9%	31.3%	14%
Consumer	0.7% 0.0pp YoY -0.1pp QoQ	-3.4pp	4.1%	3.1%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	16.8% +1.6pp YoY +0.5pp QoQ	-2.0pp	18.8%	16.1%	19.7%	63%
Leverage Ratio	11.8% +0.8pp YoY +0.4pp QoQ	-0.4pp	12.2%	12.1%	12.6%	63%
Total Capital Ratio	17.8% +1.8pp YoY +0.5pp QoQ	-2.1pp	19.9%	17.3%	20.8%	62%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	14 +1 (+7.7%) YoY 0 QoQ	-45	58	98	482	3%
Assets per Employee ($)	$17.2M -5.6% YoY -0.2% QoQ	+$9.7M	$7.5M	$8.5M	$8.8M	99%
Branch Count	2 0 YoY 0 QoQ	-3	4	7	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.4%	0.4%	8%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	417.50x	+393.35x	24.15x	31.69x	20.23x	99%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	18.5% +0.5pp YoY 0.0pp QoQ	+6.3pp	12.2%	12.3%	11.6%	84%
Cost of Funds (YTD)	1.9% -0.4pp YoY +0.2pp QoQ	+0.2pp	1.7%	1.9%	1.7%	67%
Net Income ($, YTD)	$2.2M +19.7% YoY — QoQ	-$310K	$2.6M	$6.1M	$40.4M	57%

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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)

Credit Quality Leader

growth

#158 of 659 • Top 23.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk

#11 of 1256 • Bottom 0.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#216 of 936 • Bottom 23.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Liquidity Overhang

risk

#192 of 742 • Bottom 25.7% 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: 16.81%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 99.23%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 39.28%

Peer Median: 64.48%

#89 of 2643 Top 3.3% in $100M-$1B

301

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#301 of 2643 Top 11.4% in $100M-$1B

332

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#332 of 2633 Top 12.6% in $100M-$1B

448

Return on Assets

profitability

Value: 1.86%

Peer Median: 1.32%

#448 of 2643 Top 16.9% in $100M-$1B

630

Tier 1 Capital Ratio

capital

Value: 16.81%

Peer Median: 15.91%

#630 of 2643 Top 23.8% in $100M-$1B

Top Weaknesses (4 metrics)

2353

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2353 of 2643 Bottom 11.0% in $100M-$1B

2350

Loan-to-Deposit Ratio

liquidity

Value: 99.23%

Peer Median: 77.95%

#2350 of 2643 Bottom 11.1% in $100M-$1B

2250

Net Interest Margin

profitability

Value: 3.17%

Peer Median: 3.99%

#2250 of 2643 Bottom 14.9% in $100M-$1B

2048

Total Deposits

size

Value: $154.57M

Peer Median: $326.73M

#2048 of 2643 Bottom 22.6% in $100M-$1B