BlastPoint's Banking Scorecard
Henderson State Bank
Henderson, NE
12 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 +18.1% year over year ($510.7M on the books).
- Delinquency rate 0.28%.
- Return on assets 1.58%.
- Efficiency ratio 44.32% vs a 64.48% peer average.
- Loan-to-deposit ratio 109.36% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Henderson State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.16% below tier average
- + ROA 0.26% above tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.41% above tier average
- - Non-Interest-Bearing Deposit Share 14.05% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$678.5M
+23.6% YoY
+6.9% QoQ
|
+$291.9M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Top 13.7% in tier |
| Total Loans ? |
$558.6M
+25.3% YoY
+8.4% QoQ
|
+$300.2M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Top 7.5% in tier |
| Total Deposits ? |
$510.7M
+18.1% YoY
+6.6% QoQ
|
+$184.0M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.58%
-1.0% YoY
-0.2% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.01%
+2.4% YoY
+1.0% QoQ
|
+0.02% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
44.32%
-5.2% YoY
+0.0% QoQ
|
-20.16% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 8.1% in tier |
| Delinquency Rate ? |
0.28%
-50.7% YoY
+73.7% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
109.36%
+6.1% YoY
+1.7% QoQ
|
+31.41% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.98%
+2.1% YoY
-10.5% QoQ
|
-14.05% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.0% in tier |
| Nonperforming Asset Ratio ? |
0.26%
-43.2% YoY
+100.1% QoQ
|
-0.41% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
10.41%
-1.7% YoY
-1.5% QoQ
|
-5.50% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.13%
-7.3% YoY
+73.4% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
8.0%
+0.2pp YoY -0.9pp QoQ |
-14.2pp | 22.1% | 17.6% | 22.2% | 6% |
| Brokered Deposits |
25.9%
+3.5pp YoY +4.8pp QoQ |
+18.0pp | 7.9% | 8.9% | 8.5% | 95% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
-1.1pp YoY -0.3pp QoQ |
+0.1pp | 11.6% | 12.3% | 12.5% | 62% |
| CRE |
18.6%
+4.8pp YoY +2.3pp QoQ |
-20.9pp | 39.5% | 32.3% | 41.4% | 16% |
| 1-4 Family |
3.6%
+0.1pp YoY -0.2pp QoQ |
-29.1pp | 32.6% | 16.9% | 31.3% | 3% |
| Consumer |
0.7%
0.0pp YoY -0.4pp QoQ |
-3.4pp | 4.1% | 3.1% | 5.0% | 20% |
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 |
10.4%
-0.2pp YoY -0.2pp QoQ |
-1.8pp | 12.2% | 12.1% | 12.6% | 39% |
| 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 |
72
+9 (+14.3%) YoY +2 (+2.9%) QoQ |
+13 | 58 | 98 | 482 | 72% |
| Assets per Employee ($) |
$9.4M
+8.2% YoY +3.9% QoQ |
+$1.9M | $7.5M | $8.5M | $8.8M | 82% |
| Branch Count |
12
+3 (+33.3%) YoY +2 (+20.0%) QoQ |
+7 | 4 | 7 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY |
-0.2pp | 0.3% | 0.4% | 0.4% | 57% |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 23% |
| Allowance Coverage |
2.73x
+97.7% YoY -41.4% QoQ |
-21.42x | 24.15x | 31.69x | 20.23x | 56% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
-1.0pp YoY +0.2pp QoQ |
+3.2pp | 12.2% | 12.3% | 11.6% | 70% |
| Cost of Funds (YTD) |
2.8%
-0.2pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.9% | 1.7% | 95% |
| Net Income ($, YTD) |
$5.1M
+26.2% YoY — QoQ |
+$2.6M | $2.6M | $6.1M | $40.4M | 88% |
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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.