BlastPoint's Banking Scorecard
Corn Growers State Bank
Designations: ✓ Community bank
Murdock, 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 +7.4% year over year ($35.3M on the books).
- Delinquency rate 0.88%.
- Return on assets 0.35%.
- Efficiency ratio 87.83% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.90% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Corn Growers State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Efficiency Ratio 31.57% below tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.3M
+10.3% YoY
+11.2% QoQ
|
-$22.2M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$27.5M
+25.8% YoY
+11.4% QoQ
|
-$7.4M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$35.3M
+7.4% YoY
+6.6% QoQ
|
-$16.3M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
0.35%
-23.8% YoY
+299.8% QoQ
|
-0.65% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
23% |
| Net Interest Margin ? |
4.17%
+4.5% YoY
+0.0% QoQ
|
+0.25% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
87.83%
+5.7% YoY
-9.6% QoQ
|
-31.57% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.88%
+51.5% YoY
+675.8% QoQ
|
-0.60% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
77.90%
+17.1% YoY
+4.5% QoQ
|
+3.69% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
34.33%
+1.3% YoY
+11.3% QoQ
|
+10.85% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
0.60%
+72.8% YoY
+677.0% QoQ
|
-0.24% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
13.63%
-14.5% YoY
-10.8% QoQ
|
-13.49% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.16%
+0.1% YoY
+79.8% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
34.3%
+0.4pp YoY +3.5pp QoQ |
+9.7pp | 24.6% | 17.6% | 22.2% | 83% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
+1.4pp YoY -2.6pp QoQ |
+3.4pp | 13.4% | 12.3% | 12.5% | 73% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
3.6%
-1.3pp YoY -0.4pp QoQ |
-31.3pp | 35.0% | 16.9% | 31.3% | 12% |
| Consumer |
15.0%
-1.8pp YoY -2.6pp QoQ |
+7.4pp | 7.7% | 3.1% | 5.0% | 89% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
-2.3pp YoY -1.6pp QoQ |
-25.1pp | 38.7% | 16.1% | 19.7% | 13% |
| Leverage Ratio |
8.0%
-0.1pp YoY -0.1pp QoQ |
-9.7pp | 17.7% | 12.1% | 12.6% | 3% |
| Total Capital Ratio |
14.6%
-2.5pp YoY -1.8pp QoQ |
-25.1pp | 39.7% | 17.3% | 20.8% | 12% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
+1 (+20.0%) YoY 0 QoQ |
-6 | 12 | 98 | 482 | 13% |
| Assets per Employee ($) |
$6.7M
-8.1% YoY +11.2% QoQ |
+$525K | $6.2M | $8.5M | $8.8M | 62% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.9%
+0.4pp YoY +0.8pp QoQ |
-0.1pp | 1.0% | 0.4% | 0.4% | 68% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
0.88x
-47.5% YoY -88.4% QoQ |
-5.53x | 6.41x | 31.69x | 20.23x | 39% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.5%
-1.9pp YoY +3.4pp QoQ |
-1.9pp | 6.4% | 12.3% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY -0.1pp QoQ |
-0.4pp | 1.4% | 1.9% | 1.7% | 27% |
| Net Income ($, YTD) |
$66,000
-19.5% YoY — QoQ |
-$252K | $317,817 | $6.1M | $40.4M | 20% |
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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.