BlastPoint's Banking Scorecard
Bank of Elgin
Designations: ✓ Community bank
Elgin, NE
Bank of Elgin shows strong momentum with 5 strengths and 8.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.26% above tier average
- + Efficiency Ratio 39.35% below tier average
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.0M
+8.3% YoY
-2.8% QoQ
|
+$21.7M |
$62.3M
-0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.0% YoY
|
76% |
| Total Loans ? |
$55.1M
+7.8% YoY
-7.4% QoQ
|
+$20.8M |
$34.3M
-1.5% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
84% |
| Total Deposits ? |
$72.2M
+12.2% YoY
-1.8% QoQ
|
+$20.4M |
$51.8M
-0.6% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.0% YoY
|
78% |
| Return on Assets ? |
2.12%
+8.5% YoY
-1.1% QoQ
|
+1.26% |
0.86%
-3.6% YoY
|
1.36%
+20.0% YoY
|
1.24%
+13.1% YoY
|
Top 8.4% in tier |
| Net Interest Margin ? |
4.25%
+1.9% YoY
-1.6% QoQ
|
+0.38% |
3.87%
+2.7% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
48.28%
-9.0% YoY
-5.5% QoQ
|
-39.35% |
87.63%
+2.3% YoY
|
60.11%
-6.9% YoY
|
66.84%
-3.8% YoY
|
Top 7.8% in tier |
| Delinquency Rate ? | 0.00% | -1.36% |
1.36%
+33.7% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
76.36%
-4.0% YoY
-5.7% QoQ
|
+12.25% |
64.11%
-0.9% YoY
|
79.63%
+0.4% YoY
|
76.69%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
25.73%
-7.6% YoY
-3.6% QoQ
|
+1.95% |
23.79%
+0.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.1% YoY
|
58% |
| Nonperforming Asset Ratio ? | 0.00% | -0.77% |
0.77%
+28.7% YoY
|
0.55%
+6.0% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.49%
+4.1% YoY
-4.9% QoQ
|
-13.28% |
26.77%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.09%
-2.4% YoY
-81.4% QoQ
|
-0.58% |
0.67%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.0% YoY
|
65% |
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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.