BlastPoint's Banking Scorecard
Bank of Elgin
Designations: ✓ Community bank
Elgin, 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 +13.4% year over year ($74.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.34%.
- Efficiency ratio 46.29% vs a 119.40% peer average.
- Loan-to-deposit ratio 76.71% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Elgin shows strong momentum with 5 strengths and 10.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.35% above tier average
- + Efficiency Ratio 73.10% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Net Interest Margin 0.45% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.3M
+10.3% YoY
+4.0% QoQ
|
+$24.8M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$57.3M
+5.5% YoY
+3.9% QoQ
|
+$22.4M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$74.7M
+13.4% YoY
+3.4% QoQ
|
+$23.1M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
2.34%
+17.3% YoY
+10.6% QoQ
|
+1.35% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 6.3% in tier |
| Net Interest Margin ? |
4.37%
+3.2% YoY
+2.8% QoQ
|
+0.45% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
46.29%
-12.2% YoY
-4.1% QoQ
|
-73.10% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 6.2% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
76.71%
-7.0% YoY
+0.5% QoQ
|
+2.50% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
27.54%
+10.6% YoY
+7.0% QoQ
|
+4.05% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.54%
-2.8% YoY
+0.3% QoQ
|
-13.59% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.17%
-6.2% YoY
+95.0% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
27.5%
+2.6pp YoY +1.8pp QoQ |
+2.9pp | 24.6% | 17.6% | 22.2% | 65% |
| 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 |
5.0%
+1.2pp YoY +1.7pp QoQ |
-8.4pp | 13.4% | 12.3% | 12.5% | 21% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
0.1%
0.0pp YoY 0.0pp QoQ |
-34.9pp | 35.0% | 16.9% | 31.3% | 1% |
| Consumer |
1.2%
-0.2pp YoY -0.1pp QoQ |
-6.4pp | 7.7% | 3.1% | 5.0% | 14% |
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 |
13.5%
-0.4pp YoY 0.0pp QoQ |
-4.2pp | 17.7% | 12.1% | 12.6% | 58% |
| 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 |
9
-1 (-10.0%) YoY 0 QoQ |
-3 | 12 | 98 | 482 | 36% |
| Assets per Employee ($) |
$9.7M
+22.5% YoY +4.0% QoQ |
+$3.5M | $6.2M | $8.5M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.8%
+2.1pp YoY +1.7pp QoQ |
+10.4pp | 6.4% | 12.3% | 11.6% | 89% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.9% | 1.7% | 40% |
| Net Income ($, YTD) |
$1.0M
+23.4% YoY — QoQ |
+$688K | $317,817 | $6.1M | $40.4M | 96% |
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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.