BlastPoint's Banking Scorecard

Banner Capital Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 19274

Harrisburg, NE

7 branches across NE · WY

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 +6.0% year over year ($335.2M on the books).
Delinquency rate 1.33%.
Return on assets 1.88%.
Efficiency ratio 54.26% vs a 64.48% peer average.
Loan-to-deposit ratio 91.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

Banner Capital Bank has 3 strengths but faces 2 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

+ ROA 0.56% above tier average
+ Net Interest Margin 0.59% above tier average
+ Efficiency Ratio 10.22% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 48.5% in tier
- Delinquency Rate 0.41% above tier average

Get updates when Banner Capital Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$379.8M +6.8% YoY +2.9% QoQ	-$6.8M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$307.0M +11.2% YoY +4.6% QoQ	+$48.7M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	68%
Total Deposits ?	$335.2M +6.0% YoY +2.3% QoQ	+$8.5M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	1.88% -0.4% YoY +13.8% QoQ	+0.56%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	4.58% +1.7% YoY +1.1% QoQ	+0.59%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	54.26% +3.4% YoY -7.1% QoQ	-10.22%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	1.33% -17.4% YoY +117.6% QoQ	+0.41%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	91.60% +4.9% YoY +2.2% QoQ	+13.65%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	14.67% +5.5% YoY +4.5% QoQ	-7.36%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	1.07% -35.4% YoY +62.4% QoQ	+0.40%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	11.96% -2.6% YoY -1.9% QoQ	-3.95%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.10% -3.6% YoY +129.9% QoQ	-0.47%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	18%

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	14.7% +0.8pp YoY +0.6pp QoQ	-7.5pp	22.1%	17.6%	22.2%	22%
Brokered Deposits	3.8% -4.4pp YoY -0.1pp QoQ	-4.1pp	7.9%	8.9%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	10.4% +1.0pp YoY +1.1pp QoQ	-1.1pp	11.6%	12.3%	12.5%	55%
CRE	22.9% +0.1pp YoY +0.6pp QoQ	-16.6pp	39.5%	32.3%	41.4%	22%
1-4 Family	6.8% -1.6pp YoY -0.5pp QoQ	-25.8pp	32.6%	16.9%	31.3%	7%
Consumer	4.0% +0.2pp YoY +0.2pp QoQ	-0.1pp	4.1%	3.1%	5.0%	70%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	12.0% -0.3pp YoY -0.2pp QoQ	-6.9pp	18.8%	16.1%	19.7%	17%
Leverage Ratio	11.0% +0.2pp YoY +0.2pp QoQ	-1.2pp	12.2%	12.1%	12.6%	50%
Total Capital Ratio	13.2% -0.3pp YoY -0.2pp QoQ	-6.7pp	19.9%	17.3%	20.8%	18%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	55 -1 (-1.8%) YoY 0 QoQ	-4	58	98	482	58%
Assets per Employee ($)	$6.9M +8.8% YoY +2.9% QoQ	-$614K	$7.5M	$8.5M	$8.8M	50%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	7	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.8%	+0.5pp	0.3%	0.4%	0.4%	89%
Nonaccrual	0.5% -1.1pp YoY -0.1pp QoQ	-0.4pp	0.9%	0.8%	1.0%	55%
Allowance Coverage	0.98x +15.4% YoY -55.3% QoQ	-23.17x	24.15x	31.69x	20.23x	26%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY	-0.1pp	0.1%	0.1%	0.2%	52%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	17.3% -0.8pp YoY +2.1pp QoQ	+5.1pp	12.2%	12.3%	11.6%	79%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.9%	1.7%	82%
Net Income ($, YTD)	$3.5M +4.4% YoY — QoQ	+$946K	$2.6M	$6.1M	$40.4M	76%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#336 of 691 • Bottom 48.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.60%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

439

Return on Assets

profitability

Value: 1.88%

Peer Median: 1.32%

#439 of 2643 Top 16.6% in $100M-$1B

470

Net Interest Margin

profitability

Value: 4.58%

Peer Median: 3.99%

#470 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (5 metrics)

2171

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2171 of 2643 Bottom 17.9% in $100M-$1B

2150

Nonperforming Asset Ratio

credit_quality

Value: 1.07%

Peer Median: 0.67%

#2150 of 2643 Bottom 18.7% in $100M-$1B

2073

Delinquency Rate

credit_quality

Value: 1.33%

Peer Median: 0.92%

#2073 of 2633 Bottom 21.3% in $100M-$1B

2041

Non-Interest-Bearing Deposit Share

funding

Value: 14.67%

Peer Median: 22.03%

#2041 of 2643 Bottom 22.8% in $100M-$1B

2037

Loan-to-Deposit Ratio

liquidity

Value: 91.60%

Peer Median: 77.95%

#2037 of 2643 Bottom 23.0% in $100M-$1B