BlastPoint's Banking Scorecard

Battle Creek State Bank

under $100M Specialty: Commercial NE FDIC cert 16330

Designations: ✓ Community bank

Battle Creek, NE

2 branches across NE

537 banks in the under $100M peer group nationally 35 in NE

Battle Creek State Bank shows strong momentum with 4 strengths and 33.1% YoY asset growth

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.26% above tier average
+ Efficiency Ratio 18.44% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$64.2M +33.1% YoY +18.9% QoQ	+$1.9M	$62.3M -0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.0% YoY	51%
Total Loans ?	$46.3M +68.3% YoY +19.6% QoQ	+$12.0M	$34.3M -1.5% YoY	$551.6M +6.9% YoY	$3.2B +10.7% YoY	71%
Total Deposits ?	$54.3M +25.3% YoY +22.9% QoQ	+$2.5M	$51.8M -0.6% YoY	$661.1M +6.6% YoY	$4.8B +8.0% YoY	52%
Return on Assets ?	1.11% +213.7% YoY +86.2% QoQ	+0.26%	0.86% -3.6% YoY	1.36% +20.0% YoY	1.24% +13.1% YoY	58%
Net Interest Margin ?	3.83% +8.8% YoY +1.2% QoQ	-0.04%	3.87% +2.7% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	69.19% -21.4% YoY -15.5% QoQ	-18.44%	87.63% +2.3% YoY	60.11% -6.9% YoY	66.84% -3.8% YoY	54%
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 ?	85.18% +34.3% YoY -2.7% QoQ	+21.07%	64.11% -0.9% YoY	79.63% +0.4% YoY	76.69% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	14.55% -17.9% YoY -6.0% QoQ	-9.23%	23.79% +0.5% YoY	17.92% -1.5% YoY	22.01% -1.1% YoY	23%
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 ?	19.27% +30.4% YoY -14.6% QoQ	-7.50%	26.77% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.20% +44.6% YoY -68.4% QoQ	-0.47%	0.67% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.0% YoY	Top 11.9% in tier

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.67%

#65 of 537 Top 11.9% in under $100M

Top Weaknesses (2 metrics)

429

Loan-to-Deposit Ratio

liquidity

Value: 85.18%

Peer Median: 64.11%

#429 of 537 Bottom 20.3% in under $100M

416

Non-Interest-Bearing Deposit Share

funding

Value: 14.55%

Peer Median: 23.79%

#416 of 537 Bottom 22.7% in under $100M