BlastPoint's Banking Scorecard
Clarkson Bank
Designations: ✓ Community bank
Clarkson, 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +10.3% year over year ($70.7M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.71%.
- Efficiency ratio 45.66% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.10% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Clarkson Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 73.73% below tier average
- + ROA 0.71% above tier average
- + Delinquency Rate 1.28% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.23% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.4M
+10.0% YoY
+6.6% QoQ
|
+$19.0M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$42.5M
+22.6% YoY
-0.4% QoQ
|
+$7.6M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$70.7M
+10.3% YoY
+7.3% QoQ
|
+$19.0M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
75% |
| Return on Assets ? |
1.71%
+35.8% YoY
+6.4% QoQ
|
+0.71% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
3.68%
+17.2% YoY
+1.8% QoQ
|
-0.23% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
37% |
| Efficiency Ratio ? |
45.66%
-12.0% YoY
-3.0% QoQ
|
-73.73% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 5.8% in tier |
| Delinquency Rate ? |
0.20%
-42.4% YoY
-8.3% QoQ
|
-1.28% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
60.10%
+11.1% YoY
-7.2% QoQ
|
-14.10% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
28.81%
+52.7% YoY
+22.7% QoQ
|
+5.32% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.10%
-55.4% YoY
-14.4% QoQ
|
-0.73% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
11.04%
-2.2% YoY
-1.4% QoQ
|
-16.08% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 12.9% in tier |
| Non-Interest Income / Assets ? |
0.04%
-21.1% YoY
+106.4% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
28.8%
+9.9pp YoY +5.3pp QoQ |
+4.2pp | 24.6% | 17.6% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.1%
+1.3pp YoY -1.9pp QoQ |
-5.3pp | 13.4% | 12.3% | 12.5% | 40% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
0.1%
-0.1pp YoY 0.0pp QoQ |
-34.9pp | 35.0% | 16.9% | 31.3% | 1% |
| Consumer |
2.4%
-0.2pp YoY -0.2pp QoQ |
-5.3pp | 7.7% | 3.1% | 5.0% | 25% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
11.0%
-0.2pp YoY -0.2pp QoQ |
-6.6pp | 17.7% | 12.1% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 98 | 482 | 29% |
| Assets per Employee ($) |
$10.2M
+10.0% YoY +6.6% QoQ |
+$4.0M | $6.2M | $8.5M | $8.8M | 95% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 23% |
| Allowance Coverage |
10.64x
+42.0% YoY +9.5% QoQ |
+4.23x | 6.41x | 31.69x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+3.8pp YoY +1.1pp QoQ |
+10.3pp | 6.4% | 12.3% | 11.6% | 89% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY -0.1pp QoQ |
+0.1pp | 1.4% | 1.9% | 1.7% | 57% |
| Net Income ($, YTD) |
$673,000
+45.0% YoY — QoQ |
+$355K | $317,817 | $6.1M | $40.4M | 87% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.