BlastPoint's Banking Scorecard
Nebraska Bank
Dodge, NE
10 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 +17.8% year over year ($466.9M on the books).
- Delinquency rate 0.43%.
- Return on assets 1.17%.
- Efficiency ratio 65.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.85% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Nebraska Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 59.3% in tier
- - ROA 0.15% below tier average
- - Efficiency Ratio 1.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$551.6M
+17.8% YoY
+8.3% QoQ
|
+$165.1M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$386.8M
+17.4% YoY
+1.0% QoQ
|
+$128.4M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$466.9M
+17.8% YoY
+9.1% QoQ
|
+$140.1M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
1.17%
+5.3% YoY
+1.9% QoQ
|
-0.15% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.02%
+0.1% YoY
-0.2% QoQ
|
+0.04% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
65.79%
+0.9% YoY
-4.1% QoQ
|
+1.32% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.43%
-54.4% YoY
-50.6% QoQ
|
-0.49% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
82.85%
-0.4% YoY
-7.5% QoQ
|
+4.89% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
16.43%
-15.6% YoY
-2.9% QoQ
|
-5.60% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.40%
-42.2% YoY
-39.6% QoQ
|
-0.27% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.39%
+23.6% YoY
+13.7% QoQ
|
-4.52% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.13%
+46.6% YoY
+93.5% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
16.4%
-3.0pp YoY -0.5pp QoQ |
-5.7pp | 22.1% | 17.6% | 22.2% | 29% |
| Brokered Deposits |
1.9%
+1.8pp YoY -0.2pp QoQ |
-6.0pp | 7.9% | 8.9% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.3%
-1.5pp YoY +1.7pp QoQ |
-1.2pp | 11.6% | 12.3% | 12.5% | 54% |
| CRE |
32.3%
-3.0pp YoY -0.4pp QoQ |
-7.2pp | 39.5% | 32.3% | 41.4% | 39% |
| 1-4 Family |
7.9%
-0.6pp YoY +0.4pp QoQ |
-24.7pp | 32.6% | 16.9% | 31.3% | 8% |
| Consumer |
2.0%
-0.4pp YoY -0.1pp QoQ |
-2.1pp | 4.1% | 3.1% | 5.0% | 48% |
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 |
11.4%
+2.2pp YoY +1.4pp QoQ |
-0.8pp | 12.2% | 12.1% | 12.6% | 56% |
| 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 |
67
+7 (+11.7%) YoY +1 (+1.5%) QoQ |
+8 | 58 | 98 | 482 | 68% |
| Assets per Employee ($) |
$8.2M
+5.5% YoY +6.7% QoQ |
+$715K | $7.5M | $8.5M | $8.8M | 71% |
| Branch Count |
10
+1 (+11.1%) YoY 0 QoQ |
+5 | 4 | 7 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.4pp YoY -0.4pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 49% |
| Allowance Coverage |
2.25x
+62.1% YoY +92.0% QoQ |
-21.90x | 24.15x | 31.69x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
0.5%
+0.4pp YoY +0.1pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
-0.6pp YoY -0.3pp QoQ |
-0.6pp | 12.2% | 12.3% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.1%
-0.3pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.9% | 1.7% | 77% |
| Net Income ($, YTD) |
$3.0M
+19.1% YoY — QoQ |
+$451K | $2.6M | $6.1M | $40.4M | 70% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.