BlastPoint's Banking Scorecard
State Nebraska Bank & Trust
Wayne, NE
2 branches across NE
State Nebraska Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 15.51% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.41% below tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$249.4M
+0.2% YoY
-0.2% QoQ
|
-$136.7M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$167.7M
+8.3% YoY
+1.8% QoQ
|
-$88.1M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$200.8M
-1.1% YoY
-1.3% QoQ
|
-$127.2M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
1.28%
+125.5% YoY
+54.2% QoQ
|
+0.01% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
54% |
| Net Interest Margin ? |
3.52%
+37.2% YoY
+18.4% QoQ
|
-0.41% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
49.78%
-24.3% YoY
-13.3% QoQ
|
-15.51% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
1.29%
-18.0% YoY
-2.8% QoQ
|
+0.41% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
83.51%
+9.6% YoY
+3.2% QoQ
|
+6.87% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
14.35%
+8.1% YoY
+4.5% QoQ
|
-7.67% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.87%
-11.3% YoY
-0.8% QoQ
|
+0.23% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.88%
+4.9% YoY
+1.2% QoQ
|
-1.95% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.10%
+3.5% YoY
-74.4% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
53% |
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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.