BlastPoint's Banking Scorecard

Commercial State Bank

under $100M Specialty: Agricultural NE FDIC cert 1986

Designations: ✓ Community bank

Republican City, NE

541 banks in the under $100M peer group nationally 35 in NE

Commercial State Bank has 4 strengths but faces 2 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

+ Efficiency Ratio 52.80% below tier average
+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.63% above tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.66% below tier average
- Net Interest Margin 1.01% below tier average

Get updates when Commercial State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$72.8M -0.8% YoY -3.3% QoQ	+$10.6M	$62.2M -0.6% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$18.8M +1.9% YoY -14.0% QoQ	-$15.4M	$34.2M -1.4% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$51.2M +0.8% YoY +1.9% QoQ	-$498K	$51.7M -0.7% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	1.47% +40.0% YoY +121.9% QoQ	+0.63%	0.84% -2.3% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	76%
Net Interest Margin ?	2.85% +27.5% YoY +16.4% QoQ	-1.01%	3.86% +2.8% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 12.9% in tier
Efficiency Ratio ?	35.55% -14.1% YoY -46.9% QoQ	-52.80%	88.34% +0.3% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 1.3% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	36.72% +1.0% YoY -15.6% QoQ	-27.50%	64.22% -0.7% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Top 14.4% in tier
Non-Interest-Bearing Deposit Share ?	10.31% +18.1% YoY +18.9% QoQ	-13.40%	23.71% +0.3% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	37.21% +30.3% YoY +33.4% QoQ	+10.52%	26.68% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Top 12.4% in tier
Non-Interest Income / Assets ?	0.01% +0.8% YoY -71.3% QoQ	-0.66%	0.67% +1.9% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Bottom 4.8% in tier

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 35.55%

Peer Median: 88.34%

#8 of 541 Top 1.3% in under $100M

Tier 1 Capital Ratio

capital

Value: 37.21%

Peer Median: 26.68%

#68 of 541 Top 12.4% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 36.72%

Peer Median: 64.22%

#79 of 541 Top 14.4% in under $100M

129

Return on Assets

profitability

Value: 1.47%

Peer Median: 0.84%

#129 of 541 Top 23.7% in under $100M

Top Weaknesses (3 metrics)

516

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#516 of 541 Bottom 4.8% in under $100M

472

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.86%

#472 of 541 Bottom 12.9% in under $100M

455

Non-Interest-Bearing Deposit Share

funding

Value: 10.31%

Peer Median: 23.71%

#455 of 541 Bottom 16.1% in under $100M