BlastPoint's Banking Scorecard
Minden Exchange Bank & Trust Company
Minden, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +0.2% year over year ($146.5M on the books).
- Delinquency rate 1.24%.
- Return on assets 1.59%.
- Efficiency ratio 46.29% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Minden Exchange Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 18.19% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 48.5% in tier
- - Delinquency Rate 0.32% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$201.4M
+4.9% YoY
+1.1% QoQ
|
-$185.2M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$107.8M
+9.1% YoY
+8.4% QoQ
|
-$150.6M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$146.5M
+0.2% YoY
-3.1% QoQ
|
-$180.3M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.59%
-4.7% YoY
+14.3% QoQ
|
+0.27% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.15%
+11.9% YoY
+1.7% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
46.29%
-1.2% YoY
-5.1% QoQ
|
-18.19% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 10.6% in tier |
| Delinquency Rate ? |
1.24%
-38.2% YoY
-13.8% QoQ
|
+0.32% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
73.59%
+9.0% YoY
+11.8% QoQ
|
-4.36% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
19.61%
+14.3% YoY
-0.8% QoQ
|
-2.42% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.66%
-35.7% YoY
-7.6% QoQ
|
+0.00% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
19.84%
-1.1% YoY
-0.2% QoQ
|
+3.94% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 14.2% in tier |
| Non-Interest Income / Assets ? |
0.15%
-5.6% YoY
+99.7% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
35% |
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 |
19.6%
+2.5pp YoY -0.2pp QoQ |
-2.5pp | 22.1% | 17.6% | 22.2% | 43% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
18.4%
+7.4pp YoY +3.3pp QoQ |
+6.8pp | 11.6% | 12.3% | 12.5% | 85% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
1.5%
+0.5pp YoY 0.0pp QoQ |
-31.1pp | 32.6% | 16.9% | 31.3% | 2% |
| Consumer |
4.0%
-0.4pp YoY -0.5pp QoQ |
-0.1pp | 4.1% | 3.1% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
19.8%
-0.2pp YoY 0.0pp QoQ |
+7.7pp | 12.2% | 12.1% | 12.6% | 96% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
25
+5 (+25.0%) YoY +2 (+8.7%) QoQ |
-34 | 58 | 98 | 482 | 19% |
| Assets per Employee ($) |
$8.1M
-16.1% YoY -6.9% QoQ |
+$539K | $7.5M | $8.5M | $8.8M | 68% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.9pp YoY +0.1pp QoQ |
+0.7pp | 0.3% | 0.4% | 0.4% | 91% |
| Nonaccrual |
0.3%
-1.6pp YoY -0.3pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 35% |
| Allowance Coverage |
1.02x
-7.5% YoY -3.8% QoQ |
-23.13x | 24.15x | 31.69x | 20.23x | 27% |
| Net Charge-off Rate (YTD) |
0.5%
+0.7pp YoY +0.5pp QoQ |
+0.4pp | 0.1% | 0.1% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
-0.4pp YoY +1.1pp QoQ |
-3.9pp | 12.2% | 12.3% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.0%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.9% | 1.7% | 11% |
| Net Income ($, YTD) |
$1.6M
-1.3% YoY — QoQ |
-$987K | $2.6M | $6.1M | $40.4M | 43% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.