BlastPoint's Banking Scorecard

Bank of Lindsay

$100M-$1B Specialty: Agricultural NE FDIC cert 19087

Lindsay, NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Bank of Lindsay has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 37.5% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 31.4% in tier
- Return on Assets 1.01% below tier average
- Loan-to-Deposit Ratio 29.11% above tier average
- Net Interest Margin 0.92% below tier average

Get updates when Bank of Lindsay releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$100.9M +8.5% YoY -1.3% QoQ	-$285.2M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 0.4% in tier
Total Loans ?	$78.4M +0.7% YoY -2.1% QoQ	-$177.3M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Bottom 10.6% in tier
Total Deposits ?	$74.2M +14.8% YoY +4.0% QoQ	-$253.8M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 0.7% in tier
Return on Assets ?	0.26% -33.6% YoY -64.5% QoQ	-1.01%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	Bottom 7.2% in tier
Net Interest Margin ?	3.01% -0.5% YoY -7.5% QoQ	-0.92%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 11.9% in tier
Efficiency Ratio ?	88.95% +3.5% YoY +8.4% QoQ	+23.67%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Bottom 7.4% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	105.75% -12.2% YoY -5.9% QoQ	+29.11%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Bottom 4.5% in tier
Non-Interest-Bearing Deposit Share ?	17.66% -4.4% YoY -21.9% QoQ	-4.35%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.94% +4.3% YoY +2.5% QoQ	-4.89%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.20% -23.3% YoY -89.6% QoQ	-0.08%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 14.0% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#250 of 664 • Top 37.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#131 of 414 • Bottom 31.4% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.95%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

373

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#373 of 2664 Top 14.0% in $100M-$1B

Top Weaknesses (8 metrics)

2654

Total Assets

size

Value: $100.92M

Peer Median: $386.08M

#2654 of 2664 Bottom 0.4% in $100M-$1B

2646

Total Deposits

size

Value: $74.16M

Peer Median: $327.97M

#2646 of 2664 Bottom 0.7% in $100M-$1B

2545

Loan-to-Deposit Ratio

liquidity

Value: 105.75%

Peer Median: 76.64%

#2545 of 2664 Bottom 4.5% in $100M-$1B

2473

Return on Assets

profitability

Value: 0.26%

Peer Median: 1.27%

#2473 of 2664 Bottom 7.2% in $100M-$1B

2468

Efficiency Ratio

profitability

Value: 88.95%

Peer Median: 65.29%

#2468 of 2664 Bottom 7.4% in $100M-$1B

2383

Total Loans

size

Value: $78.42M

Peer Median: $255.72M

#2383 of 2664 Bottom 10.6% in $100M-$1B

2348

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.93%

#2348 of 2664 Bottom 11.9% in $100M-$1B

2071

Tier 1 Capital Ratio

capital

Value: 10.94%

Peer Median: 15.83%

#2071 of 2664 Bottom 22.3% in $100M-$1B