BlastPoint's Banking Scorecard
Cattle Bank and Trust
Seward, NE
4 branches across NE
Cattle Bank and Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 20.0% in tier
- + Efficiency Ratio 16.88% below tier average
- + Delinquency Rate 0.80% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$416.3M
+3.1% YoY
-2.2% QoQ
|
+$30.2M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$308.4M
+3.2% YoY
-3.9% QoQ
|
+$52.7M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$358.0M
+5.3% YoY
+4.0% QoQ
|
+$30.0M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
2.08%
+35.2% YoY
+26.0% QoQ
|
+0.81% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
Top 11.0% in tier |
| Net Interest Margin ? |
3.86%
+12.8% YoY
+5.9% QoQ
|
-0.07% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
48.41%
-9.6% YoY
-10.0% QoQ
|
-16.88% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 13.0% in tier |
| Delinquency Rate ? |
0.08%
-84.5% YoY
-75.0% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
86.14%
-2.0% YoY
-7.6% QoQ
|
+9.51% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
17.77%
+1.4% YoY
-1.3% QoQ
|
-4.25% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.06%
-84.5% YoY
-75.4% QoQ
|
-0.58% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
76% |
| Tier 1 Capital Ratio ? |
12.59%
+5.7% YoY
+4.5% QoQ
|
-3.24% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.12%
+22.6% YoY
-69.8% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
61% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.