BlastPoint's Banking Scorecard
Commercial State Bank
Designations: ✓ Community bank
Republican City, 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits -1.3% year over year ($49.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.58%.
- Efficiency ratio 31.41% vs a 119.40% peer average.
- Loan-to-deposit ratio 38.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 87.99% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.58% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.37% below tier average
- - Net Interest Margin 1.04% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.5M
-1.6% YoY
+3.7% QoQ
|
+$13.1M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$19.4M
-3.8% YoY
+3.4% QoQ
|
-$15.4M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$49.9M
-1.3% YoY
-2.6% QoQ
|
-$1.7M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
1.58%
+31.3% YoY
+7.2% QoQ
|
+0.58% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
2.87%
+21.8% YoY
+0.9% QoQ
|
-1.04% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.3% in tier |
| Efficiency Ratio ? |
31.41%
-14.1% YoY
-11.6% QoQ
|
-87.99% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 0.9% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
38.95%
-2.5% YoY
+6.1% QoQ
|
-35.26% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
9.38%
+32.1% YoY
-9.0% QoQ
|
-14.10% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.0% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
28.59%
+0.9% YoY
-23.2% QoQ
|
+1.46% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.01%
-45.3% YoY
+35.0% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.7% in tier |
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 |
9.4%
+2.3pp YoY -0.9pp QoQ |
-15.3pp | 24.6% | 17.6% | 22.2% | 10% |
| Brokered Deposits |
1.0%
0.0pp YoY 0.0pp QoQ |
-8.8pp | 9.8% | 8.9% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.4%
+1.2pp YoY 0.0pp QoQ |
-7.0pp | 13.4% | 12.3% | 12.5% | 30% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 16.9% | 31.3% | n/a |
| Consumer |
2.2%
+0.1pp YoY 0.0pp QoQ |
-5.5pp | 7.7% | 3.1% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
28.6%
+0.3pp YoY -0.8pp QoQ |
+10.9pp | 17.7% | 12.1% | 12.6% | 93% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 98 | 482 | 2% |
| Assets per Employee ($) |
$18.9M
-1.6% YoY +3.7% QoQ |
+$12.7M | $6.2M | $8.5M | $8.8M | 99% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
+1.0pp YoY +0.4pp QoQ |
-0.4pp | 6.4% | 12.3% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.9%
-0.6pp YoY -0.1pp QoQ |
+0.5pp | 1.4% | 1.9% | 1.7% | 80% |
| Net Income ($, YTD) |
$587,000
+29.9% YoY — QoQ |
+$269K | $317,817 | $6.1M | $40.4M | 82% |
Get Full Access to Commercial State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.