BlastPoint's Banking Scorecard
Tecumseh Federal Bank
Designations: ✓ Community bank ✓ Mutual
Tecumseh, 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 +1.0% year over year ($36.3M on the books).
- Delinquency rate 0.17%.
- Return on assets 0.26%.
- Efficiency ratio 84.91% vs a 119.40% peer average.
- Loan-to-deposit ratio 71.05% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Tecumseh Federal Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.77% below tier average
- + Efficiency Ratio 34.49% below tier average
- + Delinquency Rate 1.31% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.26% below tier average
- - Non-Interest-Bearing Deposit Share 19.58% below tier average
- - ROA 0.74% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.1M
-0.7% YoY
-0.7% QoQ
|
-$9.4M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$25.8M
+0.5% YoY
+0.2% QoQ
|
-$9.1M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$36.3M
+1.0% YoY
-1.0% QoQ
|
-$15.3M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.26%
+83.9% YoY
+218.9% QoQ
|
-0.74% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
2.65%
+21.1% YoY
+1.7% QoQ
|
-1.26% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio ? |
84.91%
-19.5% YoY
-1.3% QoQ
|
-34.49% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
23% |
| Delinquency Rate ? |
0.17%
-18.9% YoY
-0.2% QoQ
|
-1.31% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
71.05%
-0.5% YoY
+1.3% QoQ
|
-3.16% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
3.91%
-22.8% YoY
-12.1% QoQ
|
-19.58% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.3% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-17.9% YoY
+0.7% QoQ
|
-0.75% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
21.26%
+1.2% YoY
+0.2% QoQ
|
-5.86% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.61%
+22.5% YoY
+87.6% QoQ
|
-0.77% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Top 7.6% 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 |
3.9%
-1.2pp YoY -0.5pp QoQ |
-20.7pp | 24.6% | 17.6% | 22.2% | 5% |
| Brokered Deposits |
4.1%
-2.8pp YoY 0.0pp QoQ |
-5.6pp | 9.8% | 8.9% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.8%
0.0pp YoY +1.0pp QoQ |
-6.6pp | 13.4% | 12.3% | 12.5% | 33% |
| CRE |
7.5%
-0.7pp QoQ |
-17.7pp | 25.2% | 32.3% | 41.4% | 8% |
| 1-4 Family |
56.7%
-4.5pp YoY -0.8pp QoQ |
+21.7pp | 35.0% | 16.9% | 31.3% | 78% |
| Consumer |
1.6%
-0.7pp YoY 0.0pp QoQ |
-6.1pp | 7.7% | 3.1% | 5.0% | 17% |
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 |
21.3%
+0.2pp YoY 0.0pp QoQ |
+3.6pp | 17.7% | 12.1% | 12.6% | 88% |
| 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 |
8
-1 (-11.1%) YoY 0 QoQ |
-4 | 12 | 98 | 482 | 29% |
| Assets per Employee ($) |
$6.6M
+11.7% YoY -0.7% QoQ |
+$446K | $6.2M | $8.5M | $8.8M | 60% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 20% |
| Allowance Coverage |
7.57x
+22.0% YoY +3.4% QoQ |
+1.16x | 6.41x | 31.69x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.2% | 0.1% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
+0.6pp YoY +0.9pp QoQ |
-5.1pp | 6.4% | 12.3% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.9% | 1.7% | 84% |
| Net Income ($, YTD) |
$70,000
+84.2% YoY — QoQ |
-$248K | $317,817 | $6.1M | $40.4M | 20% |
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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.