BlastPoint

BlastPoint's Banking Scorecard

Bank of Dixon County

$100M-$1B Specialty: Agricultural NE FDIC cert 14912

Ponca, 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 +10.2% year over year ($121.6M on the books).
  • Delinquency rate 2.06%.
  • Return on assets 1.64%.
  • Efficiency ratio 50.02% vs a 64.48% peer average.
  • Loan-to-deposit ratio 77.81% 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) →

Bank of Dixon County has 3 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

  • + ROA 0.32% above tier average
  • + Net Interest Margin 0.12% above tier average
  • + Efficiency Ratio 14.46% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 34.4% in tier
  • - Delinquency Rate 1.14% above tier average
Get updates when Bank of Dixon County releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $141.7M
+10.4% YoY +1.6% QoQ
-$244.9M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Bottom 12.0% in tier
Total Loans ? $94.6M
+6.6% YoY +6.6% QoQ
-$163.7M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $121.6M
+10.2% YoY +1.5% QoQ
-$205.1M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 12.5% in tier
Return on Assets ? 1.64%
+5.6% YoY +20.2% QoQ
+0.32% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 4.10%
+1.7% YoY +3.9% QoQ
+0.12% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
59%
Efficiency Ratio ? 50.02%
-3.1% YoY -10.3% QoQ
-14.46% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
83%
Delinquency Rate ? 2.06%
-17.7% YoY +3.1% QoQ
+1.14% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Bottom 12.3% in tier
Loan-to-Deposit Ratio ? 77.81%
-3.3% YoY +5.0% QoQ
-0.14% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
54%
Non-Interest-Bearing Deposit Share ? 22.12%
+1.5% YoY -2.8% QoQ
+0.09% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 1.37%
-20.5% YoY +8.2% QoQ
+0.71% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
Bottom 13.7% in tier
Tier 1 Capital Ratio ? 21.22%
-0.0% YoY -5.5% QoQ
+5.31% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Top 11.6% in tier
Non-Interest Income / Assets ? 0.11%
-6.4% YoY +103.5% QoQ
-0.46% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
21%

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 22.1%
+0.3pp YoY
-0.6pp QoQ
 0.0pp 22.1% 17.6% 22.2% 55%
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 13.1%
-1.8pp YoY
+1.0pp QoQ
 +1.5pp 11.6% 12.3% 12.5% 69%
CRE 10.0%
+0.6pp QoQ
 -29.5pp 39.5% 32.3% 41.4% 5%
1-4 Family 25.7%
-1.7pp YoY
-2.1pp QoQ
 -6.9pp 32.6% 16.9% 31.3% 42%
Consumer 7.3%
-0.7pp YoY
-0.2pp QoQ
 +3.2pp 4.1% 3.1% 5.0% 86%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 21.2%
0.0pp YoY
-1.2pp QoQ
 +2.4pp 18.8% 16.1% 19.7% 81%
Leverage Ratio 13.3%
-0.2pp YoY
-0.5pp QoQ
 +1.1pp 12.2% 12.1% 12.6% 77%
Total Capital Ratio 23.6%
+1.1pp YoY
-0.1pp QoQ
 +3.7pp 19.9% 17.3% 20.8% 84%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 17
0 YoY
0 QoQ
 -42 58 98 482 7%
Assets per Employee ($) $8.3M
+10.4% YoY
+1.6% QoQ
 +$818K $7.5M $8.5M $8.8M 72%
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 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 21%
Nonaccrual 2.0%
-0.4pp YoY
+0.1pp QoQ
 +1.1pp 0.9% 0.8% 1.0% 88%
Allowance Coverage 0.55x
+5.7% YoY
-8.7% QoQ
 -23.60x 24.15x 31.69x 20.23x 12%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 23%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 12.4%
+0.1pp YoY
+2.1pp QoQ
 +0.2pp 12.2% 12.3% 11.6% 52%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.9% 1.7% 55%
Net Income ($, YTD) $1.1M
+12.8% YoY
— QoQ
 -$1.4M $2.6M $6.1M $40.4M 31%

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)

Liquidity Overhang

risk
#256 of 742 • Bottom 34.4% 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: 21.22%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 77.81%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

308
Tier 1 Capital Ratio
capital
Value: 21.22%
Peer Median: 15.91%
#308 of 2643 Top 11.6% in $100M-$1B
449
Efficiency Ratio
profitability
Value: 50.02%
Peer Median: 64.48%
#449 of 2643 Top 17.0% in $100M-$1B

Top Weaknesses (6 metrics)

2328
Total Assets
size
Value: $141.72M
Peer Median: $386.57M
#2328 of 2643 Bottom 12.0% in $100M-$1B
2310
Delinquency Rate
credit_quality
Value: 2.06%
Peer Median: 0.92%
#2310 of 2633 Bottom 12.3% in $100M-$1B
2314
Total Deposits
size
Value: $121.62M
Peer Median: $326.73M
#2314 of 2643 Bottom 12.5% in $100M-$1B
2282
Nonperforming Asset Ratio
credit_quality
Value: 1.37%
Peer Median: 0.67%
#2282 of 2643 Bottom 13.7% in $100M-$1B
2204
Total Loans
size
Value: $94.63M
Peer Median: $258.35M
#2204 of 2643 Bottom 16.6% in $100M-$1B
2090
Non-Interest Income / Assets
revenue_mix
Value: 0.11%
Peer Median: 0.57%
#2090 of 2643 Bottom 21.0% in $100M-$1B
Powered by BlastPoint © 2026