BlastPoint's Banking Scorecard
Sidney Federal Savings and Loan Association
Designations: ✓ Community bank
Sidney, NE
Sidney Federal Savings and Loan Association has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 39.81% below tier average
- + Delinquency Rate 1.36% below tier average
- + Nonperforming Asset Ratio 0.77% below tier average
- + ROA 0.98% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.63% below tier average
- - Non-Interest Income / Assets 0.66% below tier average
- - Net Interest Margin 0.29% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.3M
+278.1% YoY
+4.9% QoQ
|
-$9.0M |
$62.3M
-0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.0% YoY
|
35% |
| Total Loans ? |
$12.2M
+64.1% YoY
+40.5% QoQ
|
-$22.1M |
$34.3M
-1.5% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
Bottom 13.4% in tier |
| Total Deposits ? |
$44.3M
+225.5% YoY
+3.1% QoQ
|
-$7.6M |
$51.8M
-0.6% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.0% YoY
|
35% |
| Return on Assets ? |
1.84%
+160.3% YoY
+25.2% QoQ
|
+0.98% |
0.86%
-3.6% YoY
|
1.36%
+20.0% YoY
|
1.24%
+13.1% YoY
|
Top 12.8% in tier |
| Net Interest Margin ? |
3.58%
+43.0% YoY
+1.7% QoQ
|
-0.29% |
3.87%
+2.7% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
47.82%
-79.6% YoY
-15.7% QoQ
|
-39.81% |
87.63%
+2.3% YoY
|
60.11%
-6.9% YoY
|
66.84%
-3.8% YoY
|
Top 7.6% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.36% |
1.36%
+33.7% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
27.62%
-49.6% YoY
+36.4% QoQ
|
-36.49% |
64.11%
-0.9% YoY
|
79.63%
+0.4% YoY
|
76.69%
+0.9% YoY
|
Top 7.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.16%
-73.4% YoY
-8.1% QoQ
|
-20.63% |
23.79%
+0.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.1% YoY
|
Bottom 9.1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.77% |
0.77%
+28.7% YoY
|
0.55%
+6.0% YoY
|
0.66%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
39.15%
+895.3% YoY
-14.9% QoQ
|
+12.38% |
26.77%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.0% in tier |
| Non-Interest Income / Assets ? |
0.01%
-78.0% YoY
-76.2% QoQ
|
-0.66% |
0.67%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 6.0% in tier |
Get Full Access to Sidney Federal Savings and Loan Association
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.