BlastPoint's Banking Scorecard
Hershey Bank
Hershey, NE
4 branches across NE
Hershey Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.16% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.90% above tier average
- - ROA 0.09% below tier average
- - Net Interest Margin 0.05% below tier average
- - Delinquency Rate 0.56% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.7M
+19.5% YoY
+0.2% QoQ
|
-$247.3M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.7% in tier |
| Total Loans ? |
$112.1M
+13.2% YoY
-2.5% QoQ
|
-$143.6M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$105.2M
+14.2% YoY
+4.6% QoQ
|
-$222.8M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.2% in tier |
| Return on Assets ? |
1.18%
+14.7% YoY
-7.0% QoQ
|
-0.09% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
3.88%
-4.0% YoY
-8.6% QoQ
|
-0.05% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
60.13%
-5.5% YoY
+0.8% QoQ
|
-5.16% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
1.45%
-13.0% YoY
-14.6% QoQ
|
+0.56% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
106.54%
-0.9% YoY
-6.7% QoQ
|
+29.90% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.61%
+0.1% YoY
-5.2% QoQ
|
-10.41% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.3% in tier |
| Nonperforming Asset Ratio ? |
1.17%
-17.6% YoY
-16.8% QoQ
|
+0.53% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
11.28%
-9.4% YoY
-2.9% QoQ
|
-4.55% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.11%
+9.7% YoY
-77.0% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
58% |
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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.