BlastPoint's Banking Scorecard
Custer Federal State Bank
Broken Bow, NE
2 branches across NE
Custer Federal State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 29.3% in tier
- - ROA 0.25% below tier average
- - Net Interest Margin 0.35% below tier average
- - Efficiency Ratio 4.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$124.9M
-0.8% YoY
-1.0% QoQ
|
-$261.2M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.4% in tier |
| Total Loans ? |
$77.9M
+9.8% YoY
+4.5% QoQ
|
-$177.8M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.2% in tier |
| Total Deposits ? |
$99.1M
+1.3% YoY
-0.2% QoQ
|
-$228.9M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.4% in tier |
| Return on Assets ? |
1.02%
+86.9% YoY
+15.2% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.58%
+13.8% YoY
+3.7% QoQ
|
-0.35% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
34% |
| Efficiency Ratio ? |
69.79%
-14.4% YoY
-4.3% QoQ
|
+4.50% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.61%
+8.4% YoY
+4.6% QoQ
|
+1.97% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
12.70%
+19.8% YoY
-11.1% QoQ
|
-9.32% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.78%
+3.1% YoY
-0.9% QoQ
|
-4.05% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.05%
+30.2% YoY
-74.1% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
19% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.