BlastPoint's Banking Scorecard
State Nebraska Bank & Trust
Wayne, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +0.9% year over year ($203.8M on the books).
- Delinquency rate 1.64%.
- Return on assets 1.20%.
- Efficiency ratio 50.00% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Nebraska Bank & Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.48% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Net Interest Margin 0.42% below tier average
- - Delinquency Rate 0.72% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$244.0M
-3.4% YoY
-2.2% QoQ
|
-$142.6M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
35% |
| Total Loans ? |
$161.3M
-1.3% YoY
-3.8% QoQ
|
-$97.0M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$203.8M
+0.9% YoY
+1.5% QoQ
|
-$122.9M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.20%
+60.3% YoY
-6.2% QoQ
|
-0.12% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
3.57%
+27.7% YoY
+1.4% QoQ
|
-0.42% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
50.00%
-17.7% YoY
+0.4% QoQ
|
-14.48% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
1.64%
+22.5% YoY
+26.6% QoQ
|
+0.72% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
79.17%
-2.2% YoY
-5.2% QoQ
|
+1.22% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
11.55%
-9.2% YoY
-19.5% QoQ
|
-10.48% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
Bottom 13.7% in tier |
| Nonperforming Asset Ratio ? |
1.08%
+25.3% YoY
+24.5% QoQ
|
+0.41% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
14.69%
+11.5% YoY
+5.9% QoQ
|
-1.21% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.21%
+6.5% YoY
+106.9% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
53% |
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 |
11.6%
-1.2pp YoY -2.8pp QoQ |
-10.6pp | 22.1% | 17.6% | 22.2% | 13% |
| 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 |
13.5%
-6.1pp YoY -4.3pp QoQ |
+1.9pp | 11.6% | 12.3% | 12.5% | 70% |
| CRE |
28.5%
+3.6pp YoY +2.3pp QoQ |
-11.0pp | 39.5% | 32.3% | 41.4% | 32% |
| 1-4 Family |
21.3%
+2.0pp YoY +1.4pp QoQ |
-11.3pp | 32.6% | 16.9% | 31.3% | 33% |
| Consumer |
3.9%
-0.3pp YoY +0.1pp QoQ |
-0.2pp | 4.1% | 3.1% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.7%
+1.5pp YoY +0.8pp QoQ |
-4.1pp | 18.8% | 16.1% | 19.7% | 46% |
| Leverage Ratio |
10.9%
+1.0pp YoY +0.4pp QoQ |
-1.3pp | 12.2% | 12.1% | 12.6% | 48% |
| Total Capital Ratio |
15.9%
+1.7pp YoY +0.8pp QoQ |
-4.0pp | 19.9% | 17.3% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
+1 (+3.8%) YoY +1 (+3.8%) QoQ |
-32 | 58 | 98 | 482 | 22% |
| Assets per Employee ($) |
$9.0M
-7.0% YoY -5.8% QoQ |
+$1.5M | $7.5M | $8.5M | $8.8M | 79% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 62% |
| Nonaccrual |
1.5%
+0.4pp YoY +0.4pp QoQ |
+0.5pp | 0.9% | 0.8% | 1.0% | 81% |
| Allowance Coverage |
0.99x
+3.9% YoY -8.3% QoQ |
-23.16x | 24.15x | 31.69x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.1%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+3.3pp YoY -1.1pp QoQ |
+0.4pp | 12.2% | 12.3% | 11.6% | 54% |
| Cost of Funds (YTD) |
2.1%
-0.5pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.9% | 1.7% | 78% |
| Net Income ($, YTD) |
$1.5M
+58.9% YoY — QoQ |
-$1.1M | $2.6M | $6.1M | $40.4M | 41% |
Get Full Access to State Nebraska Bank & Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.