BlastPoint's Banking Scorecard
Bruning Bank
Bruning, NE
6 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 +7.3% year over year ($560.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.23%.
- Efficiency ratio 59.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bruning Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 4.53% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18.6% in tier
- - ROA 0.09% below tier average
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$659.9M
+1.6% YoY
-1.0% QoQ
|
+$273.4M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Top 14.8% in tier |
| Total Loans ? |
$487.7M
+6.2% YoY
+1.9% QoQ
|
+$229.4M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
Top 12.6% in tier |
| Total Deposits ? |
$560.4M
+7.3% YoY
-2.4% QoQ
|
+$233.7M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
85% |
| Return on Assets ? |
1.23%
+72.5% YoY
+3.7% QoQ
|
-0.09% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.81%
+13.8% YoY
+1.8% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
59.95%
-10.0% YoY
-0.0% QoQ
|
-4.53% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
87.03%
-1.1% YoY
+4.4% QoQ
|
+9.07% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
14.11%
+5.9% YoY
-0.5% QoQ
|
-7.92% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.01%
+5.1% YoY
+3.9% QoQ
|
-5.90% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.8% in tier |
| Non-Interest Income / Assets ? |
0.21%
+23.2% YoY
+97.9% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
14.1%
+0.8pp YoY -0.1pp QoQ |
-8.0pp | 22.1% | 17.6% | 22.2% | 20% |
| Brokered Deposits |
0.8%
-0.1pp YoY 0.0pp QoQ |
-7.0pp | 7.9% | 8.9% | 8.5% | 16% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
+0.4pp YoY +1.5pp QoQ |
-0.2pp | 11.6% | 12.3% | 12.5% | 60% |
| CRE |
38.6%
+0.8pp YoY -1.4pp QoQ |
-0.9pp | 39.5% | 32.3% | 41.4% | 50% |
| 1-4 Family |
11.2%
+3.2pp YoY +0.9pp QoQ |
-21.4pp | 32.6% | 16.9% | 31.3% | 13% |
| Consumer |
0.9%
-0.1pp YoY -0.1pp QoQ |
-3.2pp | 4.1% | 3.1% | 5.0% | 27% |
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 |
10.0%
+0.5pp YoY +0.4pp QoQ |
-2.2pp | 12.2% | 12.1% | 12.6% | 32% |
| 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 |
93
+2 (+2.2%) YoY +2 (+2.2%) QoQ |
+34 | 58 | 98 | 482 | 84% |
| Assets per Employee ($) |
$7.1M
-0.5% YoY -3.2% QoQ |
-$422K | $7.5M | $8.5M | $8.8M | 54% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 7 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.1%
+4.8pp YoY +0.2pp QoQ |
+1.9pp | 12.2% | 12.3% | 11.6% | 63% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.9% | 1.7% | 68% |
| Net Income ($, YTD) |
$4.1M
+79.8% YoY — QoQ |
+$1.6M | $2.6M | $6.1M | $40.4M | 81% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.