BlastPoint's Banking Scorecard

United Republic Bank

$100M-$1B Specialty: Commercial NE FDIC cert 58359

Elkhorn, NE

3 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

United Republic Bank faces 8 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.2% in tier
- Capital Constraint: Bottom 8.3% in tier
- Return on Assets 1.22% below tier average
- Net Interest Margin 1.18% below tier average
- Efficiency Ratio 30.90% above tier average
- Delinquency Rate 1.75% above tier average
- Non-Interest-Bearing Deposit Share 12.65% below tier average
- Nonperforming Asset Ratio 5.23% above tier average

Get updates when United Republic Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$192.0M -10.6% YoY -2.6% QoQ	-$194.1M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$139.1M -10.2% YoY -4.9% QoQ	-$116.6M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$153.6M -10.3% YoY -1.7% QoQ	-$174.4M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	0.05% +103.4% YoY +103.3% QoQ	-1.22%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	Bottom 3.9% in tier
Net Interest Margin ?	2.75% +22.9% YoY +2.0% QoQ	-1.18%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 6.2% in tier
Efficiency Ratio ?	96.19% -7.1% YoY -17.8% QoQ	+30.90%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Bottom 3.3% in tier
Delinquency Rate ?	2.63% +171.4% YoY +4.4% QoQ	+1.75%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Bottom 7.4% in tier
Loan-to-Deposit Ratio ?	90.60% +0.1% YoY -3.3% QoQ	+13.96%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	9.37% +42.4% YoY +6.0% QoQ	-12.65%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	Bottom 9.6% in tier
Nonperforming Asset Ratio ?	5.87% +30.8% YoY +2.5% QoQ	+5.23%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Bottom 0.6% in tier
Tier 1 Capital Ratio ?	11.17% +0.5% YoY +3.3% QoQ	-4.66%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.11% +196.5% YoY +168.3% QoQ	-0.17%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	60%

Get Full Access to United Republic Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#2 of 643 • Bottom 0.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.60%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Capital Constraint

risk

#10 of 108 • Bottom 8.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 90.60%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.17%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2649

Nonperforming Asset Ratio

credit_quality

Value: 5.87%

Peer Median: 0.64%

#2649 of 2664 Bottom 0.6% in $100M-$1B

2576

Efficiency Ratio

profitability

Value: 96.19%

Peer Median: 65.29%

#2576 of 2664 Bottom 3.3% in $100M-$1B

2562

Return on Assets

profitability

Value: 0.05%

Peer Median: 1.27%

#2562 of 2664 Bottom 3.9% in $100M-$1B

2501

Net Interest Margin

profitability

Value: 2.75%

Peer Median: 3.93%

#2501 of 2664 Bottom 6.2% in $100M-$1B

2458

Delinquency Rate

credit_quality

Value: 2.63%

Peer Median: 0.89%

#2458 of 2654 Bottom 7.4% in $100M-$1B

2410

Non-Interest-Bearing Deposit Share

funding

Value: 9.37%

Peer Median: 22.02%

#2410 of 2664 Bottom 9.6% in $100M-$1B

2070

Total Deposits

size

Value: $153.59M

Peer Median: $327.97M

#2070 of 2664 Bottom 22.3% in $100M-$1B

2050

Loan-to-Deposit Ratio

liquidity

Value: 90.60%

Peer Median: 76.64%

#2050 of 2664 Bottom 23.1% in $100M-$1B

2014

Total Assets

size

Value: $191.97M

Peer Median: $386.08M

#2014 of 2664 Bottom 24.4% in $100M-$1B