BlastPoint's Banking Scorecard

Bank of Dixon County

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

Ponca, NE

3 branches across NE

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

Bank of Dixon County has 2 strengths but faces 3 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 0.10% above tier average
+ Efficiency Ratio 9.53% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 31.8% in tier
- Margin Compression: Bottom 58.0% in tier
- Delinquency Rate 1.11% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$139.5M +9.1% YoY +5.0% QoQ	-$246.6M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 11.0% in tier
Total Loans ?	$88.8M +4.0% YoY -0.5% QoQ	-$167.0M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$119.8M +8.9% YoY +5.4% QoQ	-$208.2M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 11.7% in tier
Return on Assets ?	1.37% -14.2% YoY -15.3% QoQ	+0.10%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	3.95% -0.1% YoY -3.4% QoQ	+0.02%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	55.75% +9.3% YoY +7.2% QoQ	-9.53%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	2.00% -23.5% YoY +1.9% QoQ	+1.11%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Bottom 12.6% in tier
Loan-to-Deposit Ratio ?	74.08% -4.5% YoY -5.6% QoQ	-2.56%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	22.75% +2.7% YoY -1.1% QoQ	+0.73%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	57%
Nonperforming Asset Ratio ?	1.27% -27.1% YoY -3.5% QoQ	+0.63%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Bottom 14.7% in tier
Tier 1 Capital Ratio ?	22.46% +4.5% YoY +3.1% QoQ	+6.63%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Top 9.3% in tier
Non-Interest Income / Assets ?	0.05% -4.5% YoY -76.3% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	21%

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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 (2)

Liquidity Overhang

risk

#236 of 739 • Bottom 31.8% 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: 22.46%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 74.08%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Margin Compression

decline

#178 of 305 • Bottom 58.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.37%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

248

Tier 1 Capital Ratio

capital

Value: 22.46%

Peer Median: 15.83%

#248 of 2664 Top 9.3% in $100M-$1B

Top Weaknesses (6 metrics)

2373

Total Assets

size

Value: $139.47M

Peer Median: $386.08M

#2373 of 2664 Bottom 11.0% in $100M-$1B

2352

Total Deposits

size

Value: $119.81M

Peer Median: $327.97M

#2352 of 2664 Bottom 11.7% in $100M-$1B

2321

Delinquency Rate

credit_quality

Value: 2.00%

Peer Median: 0.89%

#2321 of 2654 Bottom 12.6% in $100M-$1B

2273

Nonperforming Asset Ratio

credit_quality

Value: 1.27%

Peer Median: 0.64%

#2273 of 2664 Bottom 14.7% in $100M-$1B

2261

Total Loans

size

Value: $88.75M

Peer Median: $255.72M

#2261 of 2664 Bottom 15.2% in $100M-$1B

2101

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2101 of 2664 Bottom 21.2% in $100M-$1B