BlastPoint's Banking Scorecard

United Republic Bank

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

Elkhorn, NE

3 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 -12.1% year over year ($147.4M on the books).
Delinquency rate 5.00%.
Return on assets 0.15%.
Efficiency ratio 91.39% vs a 64.48% peer average.
Loan-to-deposit ratio 91.05% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (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 0.3% in tier
- Capital Constraint: Bottom 13.1% in tier
- Deposit Outflow: Bottom 31.8% in tier
- Return on Assets 1.17% below tier average
- Net Interest Margin 1.32% below tier average
- Efficiency Ratio 26.91% above tier average
- Delinquency Rate 4.08% above tier average
- Non-Interest-Bearing Deposit Share 13.54% below tier average

Get updates when United Republic Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$185.8M -10.6% YoY -3.2% QoQ	-$200.8M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$134.2M -11.2% YoY -3.6% QoQ	-$124.2M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$147.4M -12.1% YoY -4.1% QoQ	-$179.4M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	0.15% +111.0% YoY +241.5% QoQ	-1.17%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	Bottom 4.8% in tier
Net Interest Margin ?	2.67% +11.8% YoY -3.0% QoQ	-1.32%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	Bottom 4.4% in tier
Efficiency Ratio ?	91.39% -26.7% YoY -5.0% QoQ	+26.91%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Bottom 5.0% in tier
Delinquency Rate ?	5.00% +51.7% YoY +89.7% QoQ	+4.08%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	Bottom 2.5% in tier
Loan-to-Deposit Ratio ?	91.05% +1.0% YoY +0.5% QoQ	+13.10%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	8.49% +16.6% YoY -9.4% QoQ	-13.54%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 7.8% in tier
Nonperforming Asset Ratio ?	7.49% +18.3% YoY +27.7% QoQ	+6.82%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	Bottom 0.2% in tier
Tier 1 Capital Ratio ?	11.57% +7.1% YoY +3.6% QoQ	-4.34%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	30%
Non-Interest Income / Assets ?	0.33% +351.1% YoY +184.7% QoQ	-0.24%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	76%

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	8.5% +1.2pp YoY -0.9pp QoQ	-13.7pp	22.1%	17.6%	22.2%	7%
Brokered Deposits	26.3% +0.4pp YoY -3.4pp QoQ	+18.5pp	7.9%	8.9%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	11.1% +0.6pp YoY +0.7pp QoQ	-0.4pp	11.6%	12.3%	12.5%	59%
CRE	75.5% -1.0pp YoY -1.5pp QoQ	+36.0pp	39.5%	32.3%	41.4%	96%
1-4 Family	12.9% +0.9pp YoY 0.0pp QoQ	-19.8pp	32.6%	16.9%	31.3%	16%
Consumer	1.0% +0.8pp YoY +0.8pp QoQ	-3.1pp	4.1%	3.1%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.1%	19.7%	n/a
Leverage Ratio	11.6% +0.8pp YoY +0.4pp QoQ	-0.6pp	12.2%	12.1%	12.6%	59%
Total Capital Ratio	n/a	n/a	19.9%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	21 +1 (+5.0%) YoY -1 (-4.5%) QoQ	-38	58	98	482	12%
Assets per Employee ($)	$8.8M -14.9% YoY +1.4% QoQ	+$1.3M	$7.5M	$8.5M	$8.8M	78%
Branch Count	3 0 YoY 0 QoQ	-2	4	7	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	5.0% +1.7pp YoY +2.4pp QoQ	+4.1pp	0.9%	0.8%	1.0%	97%
Allowance Coverage	0.44x -11.0% YoY -44.9% QoQ	-23.71x	24.15x	31.69x	20.23x	8%
Net Charge-off Rate (YTD)	-0.0% -1.6pp YoY	-0.1pp	0.1%	0.1%	0.2%	25%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	1.2% +11.9pp YoY +0.8pp QoQ	-11.0pp	12.2%	12.3%	11.6%	5%
Cost of Funds (YTD)	3.5% -0.5pp YoY 0.0pp QoQ	+1.7pp	1.7%	1.9%	1.7%	100%
Net Income ($, YTD)	$148,000 +110.0% YoY — QoQ	-$2.4M	$2.6M	$6.1M	$40.4M	5%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (3)

Liquidity Strain

risk

#3 of 691 • Bottom 0.3% 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: 91.05%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Constraint

risk

#15 of 107 • Bottom 13.1% 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: 91.05%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 11.57%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#171 of 535 • Bottom 31.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

623

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (9 metrics)

2638

Nonperforming Asset Ratio

credit_quality

Value: 7.49%

Peer Median: 0.67%

#2638 of 2643 Bottom 0.2% in $100M-$1B

2567

Delinquency Rate

credit_quality

Value: 5.00%

Peer Median: 0.92%

#2567 of 2633 Bottom 2.5% in $100M-$1B

2527

Net Interest Margin

profitability

Value: 2.67%

Peer Median: 3.99%

#2527 of 2643 Bottom 4.4% in $100M-$1B

2516

Return on Assets

profitability

Value: 0.15%

Peer Median: 1.32%

#2516 of 2643 Bottom 4.8% in $100M-$1B

2513

Efficiency Ratio

profitability

Value: 91.39%

Peer Median: 64.48%

#2513 of 2643 Bottom 5.0% in $100M-$1B

2437

Non-Interest-Bearing Deposit Share

funding

Value: 8.49%

Peer Median: 22.03%

#2437 of 2643 Bottom 7.8% in $100M-$1B

2092

Total Deposits

size

Value: $147.37M

Peer Median: $326.73M

#2092 of 2643 Bottom 20.9% in $100M-$1B

2041

Total Assets

size

Value: $185.77M

Peer Median: $386.57M

#2041 of 2643 Bottom 22.8% in $100M-$1B

2010

Loan-to-Deposit Ratio

liquidity

Value: 91.05%

Peer Median: 77.95%

#2010 of 2643 Bottom 24.0% in $100M-$1B