BlastPoint's Banking Scorecard

American Interstate Bank

$100M-$1B Specialty: Commercial NE FDIC cert 1439

Elkhorn, NE

3 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 -8.9% year over year ($105.3M on the books).
Delinquency rate 0.00%.
Return on assets 3.61%.
Efficiency ratio 31.37% vs a 64.48% peer average.
Loan-to-deposit ratio 68.58% 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) →

American Interstate Bank has 5 strengths but faces 2 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

+ Return on Assets 2.29% above tier average
+ Net Interest Margin 1.33% above tier average
+ Efficiency Ratio 33.10% below tier average
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 12.9% in tier
- Non-Interest Income / Assets 0.50% below tier average

Get updates when American Interstate 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 ?	$132.0M -5.8% YoY +3.3% QoQ	-$254.5M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	Bottom 8.6% in tier
Total Loans ?	$72.2M +7.1% YoY +9.1% QoQ	-$186.1M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	Bottom 7.6% in tier
Total Deposits ?	$105.3M -8.9% YoY +2.8% QoQ	-$221.5M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	Bottom 7.1% in tier
Return on Assets ?	3.61% -12.1% YoY +5.0% QoQ	+2.29%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Top 0.8% in tier
Net Interest Margin ?	5.31% -11.0% YoY +3.8% QoQ	+1.33%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	Top 4.4% in tier
Efficiency Ratio ?	31.37% +15.5% YoY -2.5% QoQ	-33.10%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 1.0% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	68.58% +17.5% YoY +6.1% QoQ	-9.37%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	71%
Non-Interest-Bearing Deposit Share ?	25.02% -2.1% YoY -6.4% QoQ	+2.99%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	20.06% +0.5% YoY +2.8% QoQ	+4.16%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	Top 13.4% in tier
Non-Interest Income / Assets ?	0.06% +17.6% YoY +98.5% QoQ	-0.50%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Bottom 8.0% 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	25.0% -0.5pp YoY -1.7pp QoQ	+2.9pp	22.1%	17.6%	22.2%	66%
Brokered Deposits	n/a	n/a	7.9%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	18.8% +6.7pp YoY +5.0pp QoQ	+7.3pp	11.6%	12.3%	12.5%	86%
CRE	43.6% +3.6pp YoY -3.0pp QoQ	+4.0pp	39.5%	32.3%	41.4%	59%
1-4 Family	34.2% -9.5pp YoY -3.7pp QoQ	+1.6pp	32.6%	16.9%	31.3%	60%
Consumer	0.3% 0.0pp YoY -0.1pp QoQ	-3.8pp	4.1%	3.1%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.1%	19.7%	n/a
Leverage Ratio	20.1% +0.1pp YoY +0.5pp QoQ	+7.9pp	12.2%	12.1%	12.6%	96%
Total Capital Ratio	n/a	n/a	19.9%	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 0 YoY 0 QoQ	-49	58	98	482	1%
Assets per Employee ($)	$13.2M -5.8% YoY +3.3% QoQ	+$5.7M	$7.5M	$8.5M	$8.8M	95%
Branch Count	3 0 YoY 0 QoQ	-2	4	7	18	26%

Asset Quality

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

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	18.7% -3.5pp YoY +0.5pp QoQ	+6.5pp	12.2%	12.3%	11.6%	84%
Cost of Funds (YTD)	0.5% -0.1pp YoY 0.0pp QoQ	-1.3pp	1.7%	1.9%	1.7%	2%
Net Income ($, YTD)	$2.4M -7.6% YoY — QoQ	-$184K	$2.6M	$6.1M	$40.4M	59%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Deposit Outflow

decline

#70 of 535 • Bottom 12.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 3.61%

Peer Median: 1.32%

#22 of 2643 Top 0.8% in $100M-$1B

Efficiency Ratio

profitability

Value: 31.37%

Peer Median: 64.48%

#27 of 2643 Top 1.0% in $100M-$1B

116

Net Interest Margin

profitability

Value: 5.31%

Peer Median: 3.99%

#116 of 2643 Top 4.4% in $100M-$1B

356

Tier 1 Capital Ratio

capital

Value: 20.06%

Peer Median: 15.91%

#356 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (4 metrics)

2456

Total Deposits

size

Value: $105.27M

Peer Median: $326.73M

#2456 of 2643 Bottom 7.1% in $100M-$1B

2443

Total Loans

size

Value: $72.20M

Peer Median: $258.35M

#2443 of 2643 Bottom 7.6% in $100M-$1B

2432

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2432 of 2643 Bottom 8.0% in $100M-$1B

2416

Total Assets

size

Value: $132.03M

Peer Median: $386.57M

#2416 of 2643 Bottom 8.6% in $100M-$1B