BlastPoint's Banking Scorecard
Minden Exchange Bank & Trust Company
Minden, NE
Minden Exchange Bank & Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 16.54% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 34.4% in tier
- - Delinquency Rate 0.55% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.1M
+3.0% YoY
+4.8% QoQ
|
-$186.9M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$99.4M
+10.7% YoY
-6.6% QoQ
|
-$156.3M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$151.1M
+1.1% YoY
+6.2% QoQ
|
-$176.9M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.39%
-17.8% YoY
-9.7% QoQ
|
+0.12% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
4.08%
+10.0% YoY
+0.4% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
48.75%
+5.0% YoY
-10.1% QoQ
|
-16.54% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 13.8% in tier |
| Delinquency Rate ? |
1.44%
+703.8% YoY
+106.1% QoQ
|
+0.55% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
65.80%
+9.4% YoY
-12.1% QoQ
|
-10.84% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
19.77%
+6.0% YoY
-2.3% QoQ
|
-2.25% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.72%
+763.9% YoY
+83.7% QoQ
|
+0.08% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
19.89%
+0.1% YoY
-1.6% QoQ
|
+4.06% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Top 13.7% in tier |
| Non-Interest Income / Assets ? |
0.08%
-9.5% YoY
-76.3% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
35% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.