BlastPoint's Banking Scorecard
Nebraska State Bank
Designations: ✓ Community bank
Lynch, 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 +31.4% year over year ($22.3M on the books).
- Delinquency rate 3.22%.
- Return on assets 0.60%.
- Efficiency ratio 78.57% vs a 119.40% peer average.
- Loan-to-deposit ratio 55.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Nebraska State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 40.82% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Delinquency Rate 1.74% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.4M
+26.8% YoY
+2.2% QoQ
|
-$37.0M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.0% in tier |
| Total Loans ? |
$12.5M
+77.5% YoY
+26.4% QoQ
|
-$22.4M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.8% in tier |
| Total Deposits ? |
$22.3M
+31.4% YoY
+2.2% QoQ
|
-$29.3M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.3% in tier |
| Return on Assets ? |
0.60%
-27.2% YoY
-12.2% QoQ
|
-0.40% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.87%
-7.8% YoY
+9.2% QoQ
|
-0.05% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
78.57%
+5.3% YoY
+4.8% QoQ
|
-40.82% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
3.22%
-21.3% YoY
-19.7% QoQ
|
+1.74% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.0% in tier |
| Loan-to-Deposit Ratio ? |
55.95%
+35.1% YoY
+23.6% QoQ
|
-18.26% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
25.42%
-24.2% YoY
-13.3% QoQ
|
+1.93% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.58%
+10.1% YoY
-0.7% QoQ
|
+0.74% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.7% in tier |
| Tier 1 Capital Ratio ? |
11.32%
-22.4% YoY
-13.3% QoQ
|
-15.81% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.05%
-14.5% YoY
+59.0% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
19% |
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 |
25.4%
-8.1pp YoY -3.9pp QoQ |
+0.8pp | 24.6% | 17.6% | 22.2% | 58% |
| Brokered Deposits |
1.1%
-0.4pp YoY 0.0pp QoQ |
-8.7pp | 9.8% | 8.9% | 8.5% | 18% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.6%
-1.3pp YoY -3.4pp QoQ |
-3.9pp | 13.4% | 12.3% | 12.5% | 49% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 16.9% | 31.3% | n/a |
| Consumer |
1.7%
-1.0pp YoY -0.6pp QoQ |
-6.0pp | 7.7% | 3.1% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
11.3%
-3.3pp YoY -1.7pp QoQ |
-6.4pp | 17.7% | 12.1% | 12.6% | 33% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-7 | 12 | 98 | 482 | 7% |
| Assets per Employee ($) |
$5.1M
+26.8% YoY +2.2% QoQ |
-$1.1M | $6.2M | $8.5M | $8.8M | 36% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
3.2%
+0.4pp QoQ |
+1.5pp | 1.7% | 0.8% | 1.0% | 88% |
| Allowance Coverage |
0.36x
-27.9% YoY -1.5% QoQ |
-6.05x | 6.41x | 31.69x | 20.23x | 10% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.8%
-0.7pp YoY -0.5pp QoQ |
-1.6pp | 6.4% | 12.3% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.2%
+0.3pp YoY +0.2pp QoQ |
-0.2pp | 1.4% | 1.9% | 1.7% | 36% |
| Net Income ($, YTD) |
$71,000
-10.1% YoY — QoQ |
-$247K | $317,817 | $6.1M | $40.4M | 21% |
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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.