BlastPoint's Banking Scorecard

Madison County Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 31999

Madison, NE

6 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Madison County Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 14.58% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 9.5% in tier
- Liquidity Overhang: Bottom 25.6% in tier
- Credit Quality Pressure: Bottom 34.6% in tier
- Net Interest Margin 1.05% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$603.6M -0.3% YoY -3.6% QoQ	+$217.5M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$450.4M -0.4% YoY -3.5% QoQ	+$194.7M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	85%
Total Deposits ?	$486.2M +1.7% YoY +6.4% QoQ	+$158.3M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.31% +32.5% YoY +22.0% QoQ	+0.04%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	2.88% +20.7% YoY +12.5% QoQ	-1.05%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 8.1% in tier
Efficiency Ratio ?	50.71% -9.9% YoY -9.1% QoQ	-14.58%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.37% +145.1% YoY +150.7% QoQ	-0.52%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	92.63% -2.0% YoY -9.3% QoQ	+15.99%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	11.08% +2.8% YoY +0.0% QoQ	-10.94%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	Bottom 13.0% in tier
Nonperforming Asset Ratio ?	0.28% +144.9% YoY +151.2% QoQ	-0.36%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	18.35% +3.4% YoY +4.9% QoQ	+2.52%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.12% +12.8% YoY -74.8% QoQ	-0.16%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	65%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#62 of 643 • Bottom 9.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#190 of 739 • Bottom 25.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.35%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#454 of 1308 • Bottom 34.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

406

Total Loans

size

Value: $450.40M

Peer Median: $255.72M

#406 of 2664 Top 15.2% in $100M-$1B

459

Efficiency Ratio

profitability

Value: 50.71%

Peer Median: 65.29%

#459 of 2664 Top 17.2% in $100M-$1B

480

Tier 1 Capital Ratio

capital

Value: 18.35%

Peer Median: 15.83%

#480 of 2664 Top 18.0% in $100M-$1B

510

Total Assets

size

Value: $603.61M

Peer Median: $386.08M

#510 of 2664 Top 19.1% in $100M-$1B

581

Total Deposits

size

Value: $486.23M

Peer Median: $327.97M

#581 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (3 metrics)

2449

Net Interest Margin

profitability

Value: 2.88%

Peer Median: 3.93%

#2449 of 2664 Bottom 8.1% in $100M-$1B

2318

Non-Interest-Bearing Deposit Share

funding

Value: 11.08%

Peer Median: 22.02%

#2318 of 2664 Bottom 13.0% in $100M-$1B

2153

Loan-to-Deposit Ratio

liquidity

Value: 92.63%

Peer Median: 76.64%

#2153 of 2664 Bottom 19.2% in $100M-$1B