BlastPoint's Banking Scorecard
The Tri-County Bank
Stuart, NE
6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +40.6% year over year ($272.8M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.01%.
- Efficiency ratio 69.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Tri-County Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Efficiency Ratio 5.45% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.3M
+34.4% YoY
+28.1% QoQ
|
-$87.3M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$176.2M
+23.0% YoY
+21.6% QoQ
|
-$82.2M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$272.8M
+40.6% YoY
+28.6% QoQ
|
-$54.0M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
1.01%
+66.2% YoY
+14.7% QoQ
|
-0.32% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
4.25%
+14.0% YoY
+5.1% QoQ
|
+0.26% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
69.93%
-13.2% YoY
-3.6% QoQ
|
+5.45% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.01%
-92.6% YoY
-23.9% QoQ
|
-0.90% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
64.59%
-12.5% YoY
-5.5% QoQ
|
-13.36% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
16.58%
+0.3% YoY
+1.3% QoQ
|
-5.45% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.01%
-93.3% YoY
-27.7% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 13.5% in tier |
| Tier 1 Capital Ratio ? |
8.45%
-9.5% YoY
-14.4% QoQ
|
-7.46% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.3% in tier |
| Non-Interest Income / Assets ? |
0.18%
-13.5% YoY
+61.5% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
16.6%
0.0pp YoY +0.2pp QoQ |
-5.6pp | 22.1% | 17.6% | 22.2% | 30% |
| Brokered Deposits |
6.6%
+0.6pp YoY -2.1pp QoQ |
-1.3pp | 7.9% | 8.9% | 8.5% | 61% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.1%
-4.3pp YoY -3.1pp QoQ |
-0.5pp | 11.6% | 12.3% | 12.5% | 59% |
| CRE |
13.2%
+0.9pp YoY -0.5pp QoQ |
-26.4pp | 39.5% | 32.3% | 41.4% | 9% |
| 1-4 Family |
22.6%
-3.8pp YoY -3.6pp QoQ |
-10.1pp | 32.6% | 16.9% | 31.3% | 36% |
| Consumer |
2.7%
-0.6pp YoY -0.2pp QoQ |
-1.4pp | 4.1% | 3.1% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
8.4%
-0.9pp YoY -1.4pp QoQ |
-3.7pp | 12.2% | 12.1% | 12.6% | 5% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
46
+10 (+27.8%) YoY +10 (+27.8%) QoQ |
-13 | 58 | 98 | 482 | 48% |
| Assets per Employee ($) |
$6.5M
+5.2% YoY +0.3% QoQ |
-$1.0M | $7.5M | $8.5M | $8.8M | 43% |
| Branch Count |
6
+2 (+50.0%) YoY +2 (+50.0%) QoQ |
+1 | 4 | 7 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 4% |
| Allowance Coverage |
93.00x
+1305.7% YoY +33.8% QoQ |
+68.85x | 24.15x | 31.69x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+3.5pp YoY +1.2pp QoQ |
+1.1pp | 12.2% | 12.3% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY +0.1pp QoQ |
+0.1pp | 1.7% | 1.9% | 1.7% | 57% |
| Net Income ($, YTD) |
$1.3M
+94.3% YoY — QoQ |
-$1.3M | $2.6M | $6.1M | $40.4M | 36% |
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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.