BlastPoint's Banking Scorecard
Cedar Security Bank
Designations: ✓ Community bank
Fordyce, NE
3 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +2.2% year over year ($49.0M on the books).
- Delinquency rate 0.99%.
- Return on assets 2.01%.
- Efficiency ratio 49.54% vs a 119.40% peer average.
- Loan-to-deposit ratio 74.26% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Cedar Security Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 69.85% below tier average
- + ROA 1.02% above tier average
- + Net Interest Margin 1.08% above tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.1M
+2.9% YoY
-0.3% QoQ
|
-$383K |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$36.4M
+17.1% YoY
+10.6% QoQ
|
+$1.5M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$49.0M
+2.2% YoY
-0.3% QoQ
|
-$2.7M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
2.01%
+45.9% YoY
+2.9% QoQ
|
+1.02% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 10.8% in tier |
| Net Interest Margin ? |
4.99%
+13.1% YoY
+3.3% QoQ
|
+1.08% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Top 13.2% in tier |
| Efficiency Ratio ? |
49.54%
-7.4% YoY
+0.7% QoQ
|
-69.85% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 9.0% in tier |
| Delinquency Rate ? |
0.99%
-29.3% YoY
-46.1% QoQ
|
-0.49% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
74.26%
+14.6% YoY
+10.9% QoQ
|
+0.05% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
23.55%
-9.5% YoY
-13.8% QoQ
|
+0.06% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.58%
-19.6% YoY
-40.2% QoQ
|
-0.26% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
18.04%
+9.9% YoY
-0.9% QoQ
|
-9.08% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.17%
-7.4% YoY
+102.5% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
23.5%
-2.5pp YoY -3.8pp QoQ |
-1.1pp | 24.6% | 17.6% | 22.2% | 48% |
| Brokered Deposits |
0.5%
0.0pp YoY 0.0pp QoQ |
-9.3pp | 9.8% | 8.9% | 8.5% | 9% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.3%
+1.2pp YoY +0.9pp QoQ |
+2.9pp | 13.4% | 12.3% | 12.5% | 72% |
| CRE |
2.7%
-0.4pp YoY -0.4pp QoQ |
-22.6pp | 25.2% | 32.3% | 41.4% | 1% |
| 1-4 Family |
22.5%
+2.5pp YoY -2.0pp QoQ |
-12.4pp | 35.0% | 16.9% | 31.3% | 40% |
| Consumer |
4.1%
-0.5pp YoY -0.1pp QoQ |
-3.5pp | 7.7% | 3.1% | 5.0% | 42% |
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 |
18.0%
+1.6pp YoY -0.2pp QoQ |
+0.3pp | 17.7% | 12.1% | 12.6% | 81% |
| 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 |
10
0 YoY -1 (-9.1%) QoQ |
-2 | 12 | 98 | 482 | 43% |
| Assets per Employee ($) |
$6.2M
+2.9% YoY +9.7% QoQ |
+$18K | $6.2M | $8.5M | $8.8M | 54% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 7 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
0.0pp YoY -0.1pp QoQ |
-0.1pp | 1.0% | 0.4% | 0.4% | 66% |
| Nonaccrual |
0.1%
-0.4pp YoY -0.8pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 17% |
| Allowance Coverage |
2.39x
+16.7% YoY +81.2% QoQ |
-4.02x | 6.41x | 31.69x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
-0.4%
-1.8pp YoY -0.4pp QoQ |
-0.5pp | 0.2% | 0.1% | 0.2% | 3% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+3.2pp YoY +0.2pp QoQ |
+4.8pp | 6.4% | 12.3% | 11.6% | 68% |
| Cost of Funds (YTD) |
0.9%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.9% | 1.7% | 23% |
| Net Income ($, YTD) |
$620,000
+53.8% YoY — QoQ |
+$302K | $317,817 | $6.1M | $40.4M | 84% |
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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.