BlastPoint's Banking Scorecard
Core Bank
Designations: ✓ Community bank
Omaha, NE
5 branches across NE · KS
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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
- Deposits -4.9% year over year ($833.7M on the books).
- Delinquency rate 0.11%.
- Return on assets 0.72%.
- Efficiency ratio 77.55% vs a 59.73% peer average.
- Loan-to-deposit ratio 103.93% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Core Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 8.4% in tier
- - Flatlined Growth: Bottom 9.9% in tier
- - Liquidity Strain: Bottom 12.2% in tier
- - Capital Constraint: Bottom 81.2% in tier
- - Efficiency Ratio 17.83% above tier average
- - ROA 0.67% below tier average
- - Net Interest Margin 0.72% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-0.7% YoY
-1.4% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$866.4M
-5.8% YoY
-2.2% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$833.7M
-4.9% YoY
-5.0% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.6% in tier |
| Return on Assets ? |
0.72%
+70.6% YoY
+4.1% QoQ
|
-0.67% |
1.39%
+17.0% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
15% |
| Net Interest Margin ? |
3.15%
+17.6% YoY
+4.5% QoQ
|
-0.72% |
3.87%
+6.2% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
77.55%
-11.4% YoY
-0.4% QoQ
|
+17.83% |
59.73%
-12.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Bottom 9.0% in tier |
| Delinquency Rate ? |
0.11%
-47.9% YoY
-32.7% QoQ
|
-0.75% |
0.87%
+11.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 13.7% in tier |
| Loan-to-Deposit Ratio ? |
103.93%
-1.0% YoY
+2.9% QoQ
|
+18.89% |
85.04%
-0.1% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.77%
-6.9% YoY
+1.2% QoQ
|
-7.50% |
21.27%
-1.5% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.09%
-50.6% YoY
-33.2% QoQ
|
-0.58% |
0.67%
+11.7% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 14.2% in tier |
| Tier 1 Capital Ratio ? |
12.17%
+11.5% YoY
+3.9% QoQ
|
-2.67% |
14.84%
-0.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.43%
+20.4% YoY
+99.9% QoQ
|
-0.10% |
0.53%
+2.5% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
13.8%
-1.0pp YoY +0.2pp QoQ |
-7.6pp | 21.4% | 17.6% | 22.2% | 22% |
| Brokered Deposits |
6.5%
-8.1pp YoY -3.7pp QoQ |
-3.0pp | 9.5% | 8.9% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
-1.0pp YoY +0.3pp QoQ |
+2.7pp | 14.0% | 12.3% | 12.5% | 72% |
| CRE |
59.5%
+2.5pp YoY -0.7pp QoQ |
+9.5pp | 50.0% | 32.3% | 41.4% | 75% |
| 1-4 Family |
21.8%
-0.3pp YoY +0.6pp QoQ |
-4.6pp | 26.4% | 16.9% | 31.3% | 46% |
| Consumer |
0.2%
-0.9pp YoY +0.1pp QoQ |
-4.5pp | 4.7% | 3.1% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.2%
+1.3pp YoY +0.5pp QoQ |
-3.4pp | 15.6% | 16.1% | 19.7% | 28% |
| Leverage Ratio |
9.8%
+0.8pp YoY +0.3pp QoQ |
-1.5pp | 11.3% | 12.1% | 12.6% | 30% |
| Total Capital Ratio |
13.4%
+1.3pp YoY +0.5pp QoQ |
-3.3pp | 16.7% | 17.3% | 20.8% | 30% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
124
-1 (-0.8%) YoY -1 (-0.8%) QoQ |
-190 | 313 | 98 | 482 | 15% |
| Assets per Employee ($) |
$8.6M
+0.1% YoY -0.7% QoQ |
-$1.9M | $10.5M | $8.5M | $8.8M | 49% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 7 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY -0.1pp QoQ |
-0.7pp | 0.8% | 0.8% | 1.0% | 12% |
| Allowance Coverage |
12.32x
+91.8% YoY +52.0% QoQ |
-6.39x | 18.71x | 31.69x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
+2.8pp YoY +0.2pp QoQ |
-4.8pp | 12.6% | 12.3% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.5%
-0.4pp YoY 0.0pp QoQ |
+0.6pp | 1.9% | 1.9% | 1.7% | 84% |
| Net Income ($, YTD) |
$3.9M
+68.8% YoY — QoQ |
-$15.3M | $19.2M | $6.1M | $40.4M | 7% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
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.