BlastPoint's Banking Scorecard
Banner Capital Bank
Harrisburg, NE
7 branches across NE · WY
Banner Capital Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.60% above tier average
- + Efficiency Ratio 6.89% below tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 68.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.9M
+5.1% YoY
+0.0% QoQ
|
-$17.2M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$293.5M
+6.6% YoY
+1.8% QoQ
|
+$37.8M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$327.6M
+4.8% YoY
+0.1% QoQ
|
-$406K |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
1.65%
-8.9% YoY
-21.8% QoQ
|
+0.38% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
4.53%
+1.4% YoY
-4.5% QoQ
|
+0.60% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
58.40%
+6.7% YoY
+13.5% QoQ
|
-6.89% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
0.61%
-70.2% YoY
+11.6% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
89.61%
+1.7% YoY
+1.7% QoQ
|
+12.97% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
14.03%
-0.8% YoY
-6.2% QoQ
|
-7.99% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.66%
-67.4% YoY
+9.6% QoQ
|
+0.02% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.20%
+0.6% YoY
+0.1% QoQ
|
-3.63% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.04%
-16.0% YoY
-82.6% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
16% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.