BlastPoint's Banking Scorecard
Battle Creek State Bank
Designations: ✓ Community bank
Battle Creek, NE
2 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +66.4% year over year ($61.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.03%.
- Efficiency ratio 74.37% vs a 119.40% peer average.
- Loan-to-deposit ratio 90.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Battle Creek State Bank shows strong momentum with 3 strengths and 70.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 45.03% below 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 ? |
$71.0M
+70.9% YoY
+10.6% QoQ
|
+$8.6M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$55.4M
+105.6% YoY
+19.7% QoQ
|
+$20.5M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$61.0M
+66.4% YoY
+12.3% QoQ
|
+$9.4M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
1.03%
+87.7% YoY
-6.9% QoQ
|
+0.04% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.89%
+6.8% YoY
+1.5% QoQ
|
-0.03% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
74.37%
-10.2% YoY
+7.5% QoQ
|
-45.03% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
43% |
| 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 ? |
90.77%
+23.6% YoY
+6.6% QoQ
|
+16.56% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
14.43%
-36.1% YoY
-0.8% QoQ
|
-9.06% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
22% |
| 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 ? |
16.51%
+4.5% YoY
-14.3% QoQ
|
-10.61% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.44%
+40.9% YoY
+122.8% QoQ
|
-0.94% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Top 10.1% in tier |
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 |
14.4%
-8.2pp YoY -0.1pp QoQ |
-10.2pp | 24.6% | 17.6% | 22.2% | 18% |
| Brokered Deposits |
22.3%
-2.7pp QoQ |
+12.6pp | 9.8% | 8.9% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
76.5%
-7.3pp YoY -3.2pp QoQ |
+63.1pp | 13.4% | 12.3% | 12.5% | 100% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
0.8%
-0.2pp YoY +0.1pp QoQ |
-34.2pp | 35.0% | 16.9% | 31.3% | 6% |
| Consumer |
0.5%
-0.6pp YoY -0.1pp QoQ |
-7.2pp | 7.7% | 3.1% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+0.7pp YoY -2.8pp QoQ |
-22.2pp | 38.7% | 16.1% | 19.7% | 31% |
| Leverage Ratio |
14.4%
+3.6pp YoY -1.5pp QoQ |
-3.2pp | 17.7% | 12.1% | 12.6% | 66% |
| Total Capital Ratio |
17.2%
+0.1pp YoY -2.9pp QoQ |
-22.5pp | 39.7% | 17.3% | 20.8% | 30% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
+3 (+33.3%) YoY +1 (+9.1%) QoQ |
-0 | 12 | 98 | 482 | 56% |
| Assets per Employee ($) |
$5.9M
+28.2% YoY +1.4% QoQ |
-$272K | $6.2M | $8.5M | $8.8M | 49% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.7%
+1.8pp YoY -0.1pp QoQ |
+0.3pp | 6.4% | 12.3% | 11.6% | 40% |
| Cost of Funds (YTD) |
2.1%
+0.1pp YoY +0.1pp QoQ |
+0.7pp | 1.4% | 1.9% | 1.7% | 85% |
| Net Income ($, YTD) |
$326,000
+178.6% YoY — QoQ |
+$8K | $317,817 | $6.1M | $40.4M | 55% |
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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.