BlastPoint's Banking Scorecard
Pathway Bank
Cairo, NE
5 branches across NE
Pathway Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.27% above tier average
- + Efficiency Ratio 8.83% below tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.30% above tier average
- - Non-Interest-Bearing Deposit Share 12.62% below tier average
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$343.8M
+2.0% YoY
-0.5% QoQ
|
-$42.3M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$236.2M
+13.8% YoY
-0.3% QoQ
|
-$19.5M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$238.7M
+2.4% YoY
-1.7% QoQ
|
-$89.2M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.54%
+49.5% YoY
+26.0% QoQ
|
+0.27% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
3.27%
+9.3% YoY
-2.0% QoQ
|
-0.66% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
56.46%
-5.6% YoY
-1.8% QoQ
|
-8.83% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
0.07%
-92.0% YoY
-54.5% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
98.94%
+11.2% YoY
+1.4% QoQ
|
+22.30% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.40%
-8.4% YoY
+6.3% QoQ
|
-12.62% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-91.1% YoY
-54.4% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
12.08%
+1.6% YoY
+3.7% QoQ
|
-3.75% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.17%
+4.5% YoY
-74.6% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
79% |
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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.