BlastPoint's Banking Scorecard

American Interstate Bank

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

Elkhorn, NE

3 branches across NE

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

American Interstate Bank has 5 strengths but faces 1 concern

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 32.1% in tier
+ Return on Assets 2.17% above tier average
+ Net Interest Margin 1.19% above tier average
+ Efficiency Ratio 33.12% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.25% below tier average

Get updates when American Interstate 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 ?	$127.8M +6.3% YoY -4.7% QoQ	-$258.2M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 8.2% in tier
Total Loans ?	$66.2M -6.7% YoY -1.0% QoQ	-$189.5M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Bottom 6.4% in tier
Total Deposits ?	$102.4M +5.4% YoY -6.7% QoQ	-$225.6M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 6.5% in tier
Return on Assets ?	3.44% -17.7% YoY -18.8% QoQ	+2.17%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	Top 1.1% in tier
Net Interest Margin ?	5.12% -13.5% YoY -12.8% QoQ	+1.19%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Top 5.7% in tier
Efficiency Ratio ?	32.17% +12.5% YoY +15.6% QoQ	-33.12%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 1.2% in tier
Delinquency Rate ?	0.00%	-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 ?	64.64% -11.4% YoY +6.1% QoQ	-12.00%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	26.73% -14.7% YoY -12.5% QoQ	+4.71%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.00%	-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 ?	19.52% +3.0% YoY +4.6% QoQ	+3.69%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Top 14.6% in tier
Non-Interest Income / Assets ?	0.03% +4.6% YoY -73.3% QoQ	-0.25%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Bottom 8.6% 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)

Credit Quality Leader

growth

#214 of 664 • Top 32.1% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (7 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

Return on Assets

profitability

Value: 3.44%

Peer Median: 1.27%

#31 of 2664 Top 1.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 32.17%

Peer Median: 65.29%

#34 of 2664 Top 1.2% in $100M-$1B

154

Net Interest Margin

profitability

Value: 5.12%

Peer Median: 3.93%

#154 of 2664 Top 5.7% in $100M-$1B

390

Tier 1 Capital Ratio

capital

Value: 19.52%

Peer Median: 15.83%

#390 of 2664 Top 14.6% in $100M-$1B

656

Loan-to-Deposit Ratio

liquidity

Value: 64.64%

Peer Median: 76.64%

#656 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2494

Total Loans

size

Value: $66.19M

Peer Median: $255.72M

#2494 of 2664 Bottom 6.4% in $100M-$1B

2492

Total Deposits

size

Value: $102.39M

Peer Median: $327.97M

#2492 of 2664 Bottom 6.5% in $100M-$1B

2446

Total Assets

size

Value: $127.84M

Peer Median: $386.08M

#2446 of 2664 Bottom 8.2% in $100M-$1B

2436

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2436 of 2664 Bottom 8.6% in $100M-$1B