BlastPoint's Banking Scorecard
Sidney Federal Savings and Loan Association
Designations: ✓ Community bank
Sidney, 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 +26.1% year over year ($44.6M on the books).
- Delinquency rate 2.02%.
- Return on assets 1.78%.
- Efficiency ratio 44.22% vs a 119.40% peer average.
- Loan-to-deposit ratio 34.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sidney Federal Savings and Loan Association has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 75.18% below tier average
- + ROA 0.78% above tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 20.48% below tier average
- - Non-Interest Income / Assets 1.36% below tier average
- - Net Interest Margin 0.35% below tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.6M
+30.4% YoY
+4.2% QoQ
|
-$6.9M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$15.4M
+138.1% YoY
+25.9% QoQ
|
-$19.5M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$44.6M
+26.1% YoY
+0.7% QoQ
|
-$7.1M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.78%
+488.0% YoY
-3.2% QoQ
|
+0.78% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
3.56%
+43.4% YoY
-0.4% QoQ
|
-0.35% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
32% |
| Efficiency Ratio ? |
44.22%
-49.3% YoY
-7.5% QoQ
|
-75.18% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 5.0% in tier |
| Delinquency Rate ? | 2.02% | +0.54% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
34.53%
+88.8% YoY
+25.0% QoQ
|
-39.68% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Top 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.01%
-26.4% YoY
-4.8% QoQ
|
-20.48% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.6% in tier |
| Nonperforming Asset Ratio ? | 0.56% | -0.28% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
34.90%
-31.8% YoY
-10.9% QoQ
|
+7.78% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 12.9% in tier |
| Non-Interest Income / Assets ? |
0.02%
-29.7% YoY
+111.2% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.1% in tier |
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 |
3.0%
-1.1pp YoY -0.2pp QoQ |
-21.6pp | 24.6% | 17.6% | 22.2% | 4% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
-9.6pp YoY -1.9pp QoQ |
-7.2pp | 13.4% | 12.3% | 12.5% | 29% |
| CRE |
47.8%
+10.3pp QoQ |
+22.5pp | 25.2% | 32.3% | 41.4% | 90% |
| 1-4 Family |
43.0%
-40.7pp YoY -6.6pp QoQ |
+8.0pp | 35.0% | 16.9% | 31.3% | 66% |
| Consumer |
4.2%
+2.5pp YoY -2.1pp QoQ |
-3.5pp | 7.7% | 3.1% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
34.9%
-16.3pp YoY -4.2pp QoQ |
-3.8pp | 38.7% | 16.1% | 19.7% | 77% |
| Leverage Ratio |
14.2%
-8.6pp YoY -0.2pp QoQ |
-3.5pp | 17.7% | 12.1% | 12.6% | 64% |
| Total Capital Ratio |
35.5%
-16.5pp YoY -4.3pp QoQ |
-4.1pp | 39.7% | 17.3% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 98 | 482 | 20% |
| Assets per Employee ($) |
$7.9M
+30.4% YoY +4.2% QoQ |
+$1.7M | $6.2M | $8.5M | $8.8M | 78% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.0%
+2.0pp YoY |
+0.3pp | 1.7% | 0.8% | 1.0% | 75% |
| Allowance Coverage |
0.45x
-98.9% YoY |
-5.96x | 6.41x | 31.69x | 20.23x | 17% |
| Net Charge-off Rate (YTD) | 0.0% | -0.1pp | 0.2% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+9.5pp YoY -0.2pp QoQ |
+5.9pp | 6.4% | 12.3% | 11.6% | 74% |
| Cost of Funds (YTD) |
0.9%
-0.8pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.9% | 1.7% | 22% |
| Net Income ($, YTD) |
$473,000
+1213.9% YoY — QoQ |
+$155K | $317,817 | $6.1M | $40.4M | 71% |
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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.