BlastPoint's Banking Scorecard

Western Nebraska Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 1983

Curtis, 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 +7.6% year over year ($163.7M on the books).
Delinquency rate 0.01%.
Return on assets 1.28%.
Efficiency ratio 65.19% vs a 64.48% peer average.
Loan-to-deposit ratio 93.60% 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) →

Western Nebraska Bank has 2 strengths but faces 3 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

+ Net Interest Margin 0.46% above tier average
+ Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 44.3% in tier
- Non-Interest-Bearing Deposit Share 13.96% below tier average
- Efficiency Ratio 0.71% above tier average

Get updates when Western Nebraska 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 ?	$193.3M +5.5% YoY +5.5% QoQ	-$193.3M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$153.3M +11.6% YoY +7.4% QoQ	-$105.1M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	36%
Total Deposits ?	$163.7M +7.6% YoY -0.1% QoQ	-$163.0M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	1.28% +8.8% YoY +21.4% QoQ	-0.05%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	52%
Net Interest Margin ?	4.45% +10.6% YoY +4.2% QoQ	+0.46%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	65.19% +2.4% YoY -3.6% QoQ	+0.71%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.01% -55.2% YoY -93.4% QoQ	-0.91%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Top 13.5% in tier
Loan-to-Deposit Ratio ?	93.60% +3.7% YoY +7.5% QoQ	+15.65%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	8.07% +12.9% YoY -3.1% QoQ	-13.96%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 7.2% in tier
Nonperforming Asset Ratio ?	0.01% -52.6% YoY -93.3% QoQ	-0.66%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Top 12.7% in tier
Tier 1 Capital Ratio ?	10.07% +3.8% YoY +4.0% QoQ	-5.84%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	Bottom 11.8% in tier
Non-Interest Income / Assets ?	0.29% +5.9% YoY +131.2% QoQ	-0.27%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	71%

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	8.1% +0.9pp YoY -0.3pp QoQ	-14.1pp	22.1%	17.6%	22.2%	7%
Brokered Deposits	6.0% +1.2pp YoY -1.8pp QoQ	-1.8pp	7.9%	8.9%	8.5%	59%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	16.7% +4.0pp YoY +3.0pp QoQ	+5.1pp	11.6%	12.3%	12.5%	81%
CRE	20.8% -0.5pp YoY +0.7pp QoQ	-18.7pp	39.5%	32.3%	41.4%	20%
1-4 Family	16.8% +2.3pp YoY -0.3pp QoQ	-15.9pp	32.6%	16.9%	31.3%	23%
Consumer	2.1% -0.1pp YoY -0.2pp QoQ	-2.0pp	4.1%	3.1%	5.0%	50%

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	10.1% +0.4pp YoY +0.4pp QoQ	-2.1pp	12.2%	12.1%	12.6%	33%
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	33 +3 (+10.0%) YoY +1 (+3.1%) QoQ	-26	58	98	482	31%
Assets per Employee ($)	$5.9M -4.1% YoY +2.3% QoQ	-$1.7M	$7.5M	$8.5M	$8.8M	30%
Branch Count	4 0 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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	2%
Allowance Coverage	147.36x +125.6% YoY +1357.8% QoQ	+123.21x	24.15x	31.69x	20.23x	98%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	15.6% -0.6pp YoY +2.6pp QoQ	+3.4pp	12.2%	12.3%	11.6%	71%
Cost of Funds (YTD)	2.2% -0.3pp YoY -0.2pp QoQ	+0.5pp	1.7%	1.9%	1.7%	79%
Net Income ($, YTD)	$1.2M +15.8% YoY — QoQ	-$1.3M	$2.6M	$6.1M	$40.4M	33%

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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)

Capital Thin

risk

#294 of 661 • Bottom 44.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.07%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

336

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#336 of 2643 Top 12.7% in $100M-$1B

357

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.92%

#357 of 2633 Top 13.5% in $100M-$1B

602

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.99%

#602 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (4 metrics)

2455

Non-Interest-Bearing Deposit Share

funding

Value: 8.07%

Peer Median: 22.03%

#2455 of 2643 Bottom 7.2% in $100M-$1B

2333

Tier 1 Capital Ratio

capital

Value: 10.07%

Peer Median: 15.91%

#2333 of 2643 Bottom 11.8% in $100M-$1B

2141

Loan-to-Deposit Ratio

liquidity

Value: 93.60%

Peer Median: 77.95%

#2141 of 2643 Bottom 19.0% in $100M-$1B

1985

Total Deposits

size

Value: $163.74M

Peer Median: $326.73M

#1985 of 2643 Bottom 24.9% in $100M-$1B