BlastPoint's Banking Scorecard
Stanton State Bank
Designations: ✓ Community bank
Stanton, NE
2 branches across 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +5.9% year over year ($58.4M on the books).
- Delinquency rate 0.24%.
- Return on assets 1.28%.
- Efficiency ratio 67.10% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.54% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Stanton State Bank shows strong momentum with 3 strengths and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.29% above tier average
- + Efficiency Ratio 52.30% below tier average
- + Delinquency Rate 1.24% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.8M
+6.4% YoY
+2.7% QoQ
|
+$2.4M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$37.1M
+5.9% YoY
+5.3% QoQ
|
+$2.2M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$58.4M
+5.9% YoY
+2.8% QoQ
|
+$6.8M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
1.28%
+80.3% YoY
-4.4% QoQ
|
+0.29% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.94%
+18.0% YoY
+2.0% QoQ
|
+0.03% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
67.10%
-15.1% YoY
+3.1% QoQ
|
-52.30% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
0.24%
-77.1% YoY
-9.1% QoQ
|
-1.24% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
63.54%
-0.1% YoY
+2.4% QoQ
|
-10.67% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
17.15%
+6.6% YoY
+5.5% QoQ
|
-6.34% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.14%
-77.2% YoY
-6.8% QoQ
|
-0.70% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
16.45%
+6.6% YoY
+0.6% QoQ
|
-10.68% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.13%
-7.1% YoY
+81.7% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
17.1%
+1.1pp YoY +0.9pp QoQ |
-7.5pp | 24.6% | 17.6% | 22.2% | 27% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
31.8%
+7.4pp YoY +4.6pp QoQ |
+18.4pp | 13.4% | 12.3% | 12.5% | 92% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family |
36.4%
+1.9pp YoY +0.6pp QoQ |
+1.4pp | 35.0% | 16.9% | 31.3% | 58% |
| Consumer |
6.4%
-1.0pp YoY -1.0pp QoQ |
-1.3pp | 7.7% | 3.1% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.4%
+1.0pp YoY +0.1pp QoQ |
-22.2pp | 38.7% | 16.1% | 19.7% | 31% |
| Leverage Ratio |
9.7%
+0.5pp YoY +0.1pp QoQ |
-8.0pp | 17.7% | 12.1% | 12.6% | 14% |
| Total Capital Ratio |
17.6%
+1.1pp YoY +0.1pp QoQ |
-22.0pp | 39.7% | 17.3% | 20.8% | 32% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-1 (-10.0%) YoY 0 QoQ |
-3 | 12 | 98 | 482 | 36% |
| Assets per Employee ($) |
$7.2M
+18.2% YoY +2.7% QoQ |
+$1.0M | $6.2M | $8.5M | $8.8M | 70% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 7 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.8pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 26% |
| Allowance Coverage |
4.93x
+353.0% YoY +4.9% QoQ |
-1.48x | 6.41x | 31.69x | 20.23x | 79% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.2% | 0.1% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+5.7pp YoY -0.7pp QoQ |
+7.3pp | 6.4% | 12.3% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.9% | 1.7% | 55% |
| Net Income ($, YTD) |
$405,000
+91.0% YoY — QoQ |
+$87K | $317,817 | $6.1M | $40.4M | 64% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.