BlastPoint's Banking Scorecard
Hershey Bank
Hershey, NE
4 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 +18.0% year over year ($109.0M on the books).
- Delinquency rate 1.24%.
- Return on assets 1.20%.
- Efficiency ratio 59.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 110.28% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hershey Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.88% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.32% above tier average
- - ROA 0.12% below tier average
- - Delinquency Rate 0.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.1M
+18.1% YoY
+1.7% QoQ
|
-$245.4M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.7% in tier |
| Total Loans ? |
$120.2M
+17.5% YoY
+7.3% QoQ
|
-$138.1M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$109.0M
+18.0% YoY
+3.6% QoQ
|
-$217.7M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.3% in tier |
| Return on Assets ? |
1.20%
+10.9% YoY
+1.6% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.97%
-4.6% YoY
+2.3% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
59.59%
-5.8% YoY
-0.9% QoQ
|
-4.88% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
1.24%
-23.2% YoY
-14.8% QoQ
|
+0.32% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
110.28%
-0.5% YoY
+3.5% QoQ
|
+32.32% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 2.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.76%
-3.8% YoY
-7.3% QoQ
|
-11.27% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.1% in tier |
| Nonperforming Asset Ratio ? |
1.14%
-17.0% YoY
-2.4% QoQ
|
+0.47% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.24%
+2.3% YoY
+17.4% QoQ
|
-2.67% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.23%
+9.2% YoY
+113.4% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
10.8%
-0.4pp YoY -0.9pp QoQ |
-11.4pp | 22.1% | 17.6% | 22.2% | 12% |
| Brokered Deposits |
8.4%
-0.5pp YoY +0.2pp QoQ |
+0.6pp | 7.9% | 8.9% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.6%
-0.8pp YoY +1.6pp QoQ |
+6.0pp | 11.6% | 12.3% | 12.5% | 83% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
12.7%
-0.1pp YoY +2.9pp QoQ |
-19.9pp | 32.6% | 16.9% | 31.3% | 15% |
| Consumer |
1.2%
-0.5pp YoY 0.0pp QoQ |
-2.9pp | 4.1% | 3.1% | 5.0% | 33% |
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 |
13.2%
+0.3pp YoY +2.0pp QoQ |
+1.1pp | 12.2% | 12.1% | 12.6% | 77% |
| 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 |
19
0 YoY 0 QoQ |
-40 | 58 | 98 | 482 | 9% |
| Assets per Employee ($) |
$7.4M
+18.1% YoY +1.7% QoQ |
-$89K | $7.5M | $8.5M | $8.8M | 60% |
| Branch Count |
4
+1 (+33.3%) YoY 0 QoQ |
-1 | 4 | 7 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 6% |
| Nonaccrual |
1.2%
-0.4pp YoY -0.2pp QoQ |
+0.3pp | 0.9% | 0.8% | 1.0% | 77% |
| Allowance Coverage |
1.13x
+20.4% YoY +10.7% QoQ |
-23.03x | 24.15x | 31.69x | 20.23x | 30% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
+1.4pp YoY -0.2pp QoQ |
-2.5pp | 12.2% | 12.3% | 11.6% | 35% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY -0.1pp QoQ |
+0.6pp | 1.7% | 1.9% | 1.7% | 83% |
| Net Income ($, YTD) |
$836,000
+30.0% YoY — QoQ |
-$1.7M | $2.6M | $6.1M | $40.4M | 21% |
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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.