BlastPoint's Banking Scorecard

The Tri-County Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 16339

Stuart, NE

6 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

The Tri-County Bank has 2 strengths but faces 2 concerns

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

+ Net Interest Margin 0.11% above tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- ROA 0.39% below tier average
- Efficiency Ratio 7.24% above tier average

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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 ?	$233.5M +7.7% YoY -4.1% QoQ	-$152.5M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	34%
Total Loans ?	$144.9M +0.9% YoY -4.1% QoQ	-$110.8M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$212.0M +7.8% YoY -4.6% QoQ	-$115.9M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	0.88% +52.2% YoY +16.9% QoQ	-0.39%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	4.04% +9.4% YoY +4.2% QoQ	+0.11%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	72.53% -10.9% YoY -4.7% QoQ	+7.24%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.02% -91.4% YoY -87.5% QoQ	-0.87%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	68.32% -6.5% YoY +0.5% QoQ	-8.32%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	16.38% -7.5% YoY -2.5% QoQ	-5.64%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.01% -92.0% YoY -87.5% QoQ	-0.63%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 14.5% in tier
Tier 1 Capital Ratio ?	9.87% -17.7% YoY +2.4% QoQ	-5.96%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 8.2% in tier
Non-Interest Income / Assets ?	0.11% +3.2% YoY -71.2% QoQ	-0.17%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	58%

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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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

387

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#387 of 2664 Top 14.5% in $100M-$1B

413

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#413 of 2654 Top 15.5% in $100M-$1B

Top Weaknesses (1 metrics)

2447

Tier 1 Capital Ratio

capital

Value: 9.87%

Peer Median: 15.83%

#2447 of 2664 Bottom 8.2% in $100M-$1B