BlastPoint's Banking Scorecard
Western Nebraska Bank
Curtis, NE
4 branches across NE
Western Nebraska Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.34% above tier average
- + Delinquency Rate 0.78% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 32.4% in tier
- - Non-Interest-Bearing Deposit Share 13.69% below tier average
- - ROA 0.22% below tier average
- - Efficiency Ratio 2.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.2M
+5.2% YoY
-5.3% QoQ
|
-$202.9M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$142.7M
+11.9% YoY
-5.5% QoQ
|
-$113.0M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$164.0M
+8.5% YoY
+2.8% QoQ
|
-$164.0M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.05%
+3.1% YoY
-11.4% QoQ
|
-0.22% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
4.27%
+12.0% YoY
+2.6% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
71% |
| Efficiency Ratio ? |
67.60%
+0.7% YoY
+3.6% QoQ
|
+2.31% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.11%
-61.9% YoY
|
-0.78% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
87.03%
+3.1% YoY
-8.1% QoQ
|
+10.39% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
8.33%
+7.1% YoY
+2.4% QoQ
|
-13.69% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.8% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-59.5% YoY
|
-0.55% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
9.68%
-0.1% YoY
+6.5% QoQ
|
-6.15% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
-0.6% YoY
-78.4% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
66% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.