BlastPoint's Banking Scorecard

Nebraska Bank of Commerce

$100M-$1B Specialty: Commercial NE FDIC cert 58724

Lincoln, 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 +13.1% year over year ($204.9M on the books).
Delinquency rate 0.34%.
Return on assets 1.08%.
Efficiency ratio 56.30% vs a 64.48% peer average.
Loan-to-deposit ratio 103.76% 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) →

Nebraska Bank of Commerce has 2 strengths but faces 5 concerns

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

+ Efficiency Ratio 8.18% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 40.3% in tier
- Loan-to-Deposit Ratio 25.81% above tier average
- Non-Interest-Bearing Deposit Share 13.31% below tier average
- ROA 0.24% below tier average
- Net Interest Margin 0.52% below tier average

Get updates when Nebraska Bank of Commerce releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$241.2M +17.3% YoY +1.0% QoQ	-$145.4M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$212.6M +17.6% YoY +0.5% QoQ	-$45.8M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	51%
Total Deposits ?	$204.9M +13.1% YoY +2.5% QoQ	-$121.9M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	35%
Return on Assets ?	1.08% +42.1% YoY +29.6% QoQ	-0.24%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	39%
Net Interest Margin ?	3.47% +11.5% YoY +8.7% QoQ	-0.52%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	56.30% -13.6% YoY -7.3% QoQ	-8.18%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	69%
Delinquency Rate ?	0.34% +617.3% YoY +63.3% QoQ	-0.58%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	103.76% +4.0% YoY -2.0% QoQ	+25.81%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	Bottom 6.5% in tier
Non-Interest-Bearing Deposit Share ?	8.72% -2.3% YoY +9.9% QoQ	-13.31%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	Bottom 8.2% in tier
Nonperforming Asset Ratio ?	0.30% +619.4% YoY +62.4% QoQ	-0.37%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	52%
Tier 1 Capital Ratio ?	11.86% -5.9% YoY +3.1% QoQ	-4.04%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.10% +47.3% YoY +221.6% QoQ	-0.46%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	19%

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	8.7% -0.2pp YoY +0.8pp QoQ	-13.4pp	22.1%	17.6%	22.2%	8%
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	10.8% +1.0pp YoY +1.5pp QoQ	-0.7pp	11.6%	12.3%	12.5%	58%
CRE	51.1% -6.0pp YoY -2.9pp QoQ	+11.6pp	39.5%	32.3%	41.4%	72%
1-4 Family	34.3% +3.3pp YoY +0.9pp QoQ	+1.7pp	32.6%	16.9%	31.3%	60%
Consumer	0.4% -0.3pp YoY -0.2pp QoQ	-3.8pp	4.1%	3.1%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	11.9% -0.8pp YoY +0.3pp QoQ	-7.0pp	18.8%	16.1%	19.7%	16%
Leverage Ratio	9.6% -0.7pp YoY 0.0pp QoQ	-2.6pp	12.2%	12.1%	12.6%	23%
Total Capital Ratio	13.1% -0.7pp YoY +0.4pp QoQ	-6.8pp	19.9%	17.3%	20.8%	17%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	27 +4 (+17.4%) YoY +2 (+8.0%) QoQ	-32	58	98	482	22%
Assets per Employee ($)	$8.9M -0.1% YoY -6.4% QoQ	+$1.4M	$7.5M	$8.5M	$8.8M	78%
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	0.1%	-0.2pp	0.3%	0.4%	0.4%	57%
Nonaccrual	0.2% +0.2pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.8%	1.0%	30%
Allowance Coverage	3.75x -86.0% YoY -38.7% QoQ	-20.40x	24.15x	31.69x	20.23x	63%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	11.2% +3.9pp YoY +2.6pp QoQ	-0.9pp	12.2%	12.3%	11.6%	45%
Cost of Funds (YTD)	3.0% 0.0pp YoY 0.0pp QoQ	+1.3pp	1.7%	1.9%	1.7%	98%
Net Income ($, YTD)	$1.3M +66.6% YoY — QoQ	-$1.3M	$2.6M	$6.1M	$40.4M	35%

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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 (1)

Credit Quality Pressure

risk

#507 of 1256 • Bottom 40.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.34%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

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 (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2471

Loan-to-Deposit Ratio

liquidity

Value: 103.76%

Peer Median: 77.95%

#2471 of 2643 Bottom 6.5% in $100M-$1B

2427

Non-Interest-Bearing Deposit Share

funding

Value: 8.72%

Peer Median: 22.03%

#2427 of 2643 Bottom 8.2% in $100M-$1B

2139

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2139 of 2643 Bottom 19.1% in $100M-$1B