BlastPoint's Banking Scorecard
Countryside Bank
Unadilla, NE
3 branches across NE
Countryside Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.19% above tier average
- + Efficiency Ratio 3.12% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 47.7% in tier
- - Net Interest Margin 0.52% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.7M
+1.9% YoY
+3.1% QoQ
|
-$265.4M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.1% in tier |
| Total Loans ? |
$65.5M
+9.2% YoY
-3.8% QoQ
|
-$190.3M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.2% in tier |
| Total Deposits ? |
$99.2M
+1.1% YoY
+3.6% QoQ
|
-$228.8M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.4% in tier |
| Return on Assets ? |
1.46%
+40.3% YoY
+51.5% QoQ
|
+0.19% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.41%
+11.8% YoY
+2.0% QoQ
|
-0.52% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
62.17%
-5.6% YoY
-5.9% QoQ
|
-3.12% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
53% |
| Delinquency Rate ? |
0.44%
+910.7% YoY
|
-0.45% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
65.99%
+8.1% YoY
-7.1% QoQ
|
-10.65% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
24.15%
-10.6% YoY
-10.2% QoQ
|
+2.13% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.24%
+983.1% YoY
|
-0.40% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
14.81%
+3.8% YoY
-2.0% QoQ
|
-1.02% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.14%
+1.1% YoY
-75.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
71% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.