BlastPoint's Banking Scorecard
Core Bank
Designations: ✓ Community bank
Omaha, NE
5 branches across NE · KS
Core Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7.2% in tier
- - Flatlined Growth: Bottom 7.3% in tier
- - Deposit Outflow: Bottom 23.8% in tier
- - Capital Constraint: Bottom 78.4% in tier
- - ROA 0.67% below tier average
- - Net Interest Margin 0.80% below tier average
- - Efficiency Ratio 16.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-1.4% YoY
-0.3% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.5% in tier |
| Total Loans ? |
$886.4M
-6.3% YoY
+0.2% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$877.9M
-3.4% YoY
-2.7% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.9% in tier |
| Return on Assets ? |
0.70%
+119.0% YoY
+23.2% QoQ
|
-0.67% |
1.37%
+19.6% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
17% |
| Net Interest Margin ? |
3.02%
+14.8% YoY
+8.3% QoQ
|
-0.80% |
3.82%
+6.9% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
77.89%
-12.3% YoY
-6.5% QoQ
|
+16.82% |
61.06%
-4.6% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate ? |
0.17%
-15.6% YoY
-19.4% QoQ
|
-0.72% |
0.89%
+14.1% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
100.97%
-3.1% YoY
+3.0% QoQ
|
+16.76% |
84.20%
+0.3% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.61%
-3.4% YoY
+4.3% QoQ
|
-7.68% |
21.29%
-2.5% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.14%
-44.0% YoY
-19.1% QoQ
|
-0.53% |
0.67%
+15.6% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
80% |
| Tier 1 Capital Ratio ? |
11.71%
+11.6% YoY
+1.1% QoQ
|
-3.45% |
15.16%
+2.0% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.21%
+38.0% YoY
-73.1% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
74% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.