BlastPoint's Banking Scorecard

Nebraska State Bank and Trust Company

$100M-$1B Specialty: Agricultural NE FDIC cert 8322

Broken Bow, NE

4 branches across NE

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

Nebraska State Bank and Trust Company has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 28.0% in tier
+ ROA 0.44% above tier average
+ Net Interest Margin 0.41% above tier average
+ Efficiency Ratio 6.95% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.2% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$280.6M +0.4% YoY -1.7% QoQ	-$105.5M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	42%
Total Loans ?	$217.1M -2.5% YoY -0.9% QoQ	-$38.7M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$231.8M +6.6% YoY -1.8% QoQ	-$96.2M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.71% +0.4% YoY -2.4% QoQ	+0.44%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.34% +7.5% YoY +2.9% QoQ	+0.41%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	58.34% +1.3% YoY +4.2% QoQ	-6.95%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.00% -39.7% YoY +68.2% QoQ	-0.88%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 12.7% in tier
Loan-to-Deposit Ratio ?	93.63% -8.5% YoY +0.8% QoQ	+16.99%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	15.75% +7.2% YoY -4.5% QoQ	-6.27%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.00% -41.4% YoY +69.6% QoQ	-0.63%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 12.1% in tier
Tier 1 Capital Ratio ?	15.39% +29.1% YoY +2.4% QoQ	-0.44%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.07% +1.1% YoY -74.7% QoQ	-0.21%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	34%

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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 (1)

Credit Quality Leader

growth

#187 of 664 • Top 28.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#47 of 643 • Bottom 7.2% 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: 93.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

323

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#323 of 2664 Top 12.1% in $100M-$1B

338

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#338 of 2654 Top 12.7% in $100M-$1B

586

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.27%

#586 of 2664 Top 22.0% in $100M-$1B

661

Net Interest Margin

profitability

Value: 4.34%

Peer Median: 3.93%

#661 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (1 metrics)

2208

Loan-to-Deposit Ratio

liquidity

Value: 93.63%

Peer Median: 76.64%

#2208 of 2664 Bottom 17.2% in $100M-$1B