BlastPoint's Banking Scorecard
Cedar Security Bank
Designations: ✓ Community bank
Fordyce, NE
3 branches across NE
Cedar Security Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 39.15% below tier average
- + ROA 1.12% above tier average
- + Net Interest Margin 0.97% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.2M
+3.8% YoY
+3.0% QoQ
|
+$64K |
$62.2M
-0.6% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$32.9M
+11.8% YoY
-1.4% QoQ
|
-$1.4M |
$34.2M
-1.4% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$49.1M
+3.1% YoY
+3.0% QoQ
|
-$2.6M |
$51.7M
-0.7% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
1.96%
+20.1% YoY
+34.4% QoQ
|
+1.12% |
0.84%
-2.3% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Top 10.5% in tier |
| Net Interest Margin ? |
4.83%
+9.9% YoY
+3.2% QoQ
|
+0.97% |
3.86%
+2.8% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
49.19%
-11.3% YoY
-7.7% QoQ
|
-39.15% |
88.34%
+0.3% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 8.7% in tier |
| Delinquency Rate ? |
1.83%
-6.7% YoY
+81.1% QoQ
|
+0.46% |
1.37%
+33.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
66.96%
+8.5% YoY
-4.3% QoQ
|
+2.75% |
64.22%
-0.7% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
27.31%
-4.8% YoY
-13.7% QoQ
|
+3.59% |
23.71%
+0.3% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.97%
+0.5% YoY
+73.5% QoQ
|
+0.18% |
0.79%
+28.2% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
18.20%
+4.5% YoY
+1.2% QoQ
|
-8.49% |
26.68%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.08%
-20.7% YoY
-77.2% QoQ
|
-0.58% |
0.67%
+1.9% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
62% |
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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.