BlastPoint's Banking Scorecard
Henderson State Bank
Henderson, NE
12 branches across NE
Henderson State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.98% below tier average
- + ROA 0.31% above tier average
- + Delinquency Rate 0.73% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.4% in tier
- - Loan-to-Deposit Ratio 30.93% above tier average
- - Non-Interest-Bearing Deposit Share 13.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$634.6M
+26.4% YoY
-0.1% QoQ
|
+$248.5M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$515.5M
+27.7% YoY
+1.3% QoQ
|
+$259.8M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Top 9.6% in tier |
| Total Deposits ? |
$479.2M
+14.4% YoY
-0.9% QoQ
|
+$151.3M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.58%
+5.8% YoY
-3.6% QoQ
|
+0.31% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
3.97%
+4.8% YoY
-1.2% QoQ
|
+0.04% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
44.30%
-8.5% YoY
-2.5% QoQ
|
-20.98% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 8.1% in tier |
| Delinquency Rate ? |
0.16%
-19.8% QoQ
|
-0.73% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
107.57%
+11.7% YoY
+2.2% QoQ
|
+30.93% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.91%
-5.4% YoY
-20.6% QoQ
|
-13.11% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.13%
-18.6% QoQ
|
-0.51% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
10.57%
+2.6% YoY
+0.1% QoQ
|
-5.26% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.07%
-6.9% YoY
-70.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
34% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.