BlastPoint's Banking Scorecard
Nebraska State Bank
Designations: ✓ Community bank
Lynch, NE
Nebraska State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.34% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.63% above tier average
- - ROA 0.15% below tier average
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.9M
+27.4% YoY
+19.1% QoQ
|
-$37.3M |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.6% in tier |
| Total Loans ? |
$9.9M
+29.9% YoY
+33.1% QoQ
|
-$24.4M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.5% in tier |
| Total Deposits ? |
$21.8M
+32.1% YoY
+21.9% QoQ
|
-$29.9M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.4% in tier |
| Return on Assets ? |
0.68%
-11.1% YoY
+46.7% QoQ
|
-0.15% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.54%
-16.0% YoY
-0.2% QoQ
|
-0.32% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
75.00%
-2.8% YoY
-9.7% QoQ
|
-13.34% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
4.01%
-0.5% QoQ
|
+2.63% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.3% in tier |
| Loan-to-Deposit Ratio ? |
45.26%
-1.7% YoY
+9.2% QoQ
|
-18.95% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
29.30%
-7.8% YoY
-12.6% QoQ
|
+5.59% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
72% |
| Nonperforming Asset Ratio ? |
1.59%
+11.2% QoQ
|
+0.80% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.6% in tier |
| Tier 1 Capital Ratio ? |
13.05%
-14.5% YoY
-7.5% QoQ
|
-13.63% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.03%
+4.6% YoY
-73.1% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
25% |
Get Full Access to Nebraska State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.