BlastPoint's Banking Scorecard
Nebraska State Bank
Designations: ✓ Community bank
Oshkosh, 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 536 banks in the under $100M peer group nationwide — 1 of 35 in NE.
- Deposits +9.6% year over year ($61.0M on the books).
- Delinquency rate 1.41%.
- Return on assets 4.34%.
- Efficiency ratio 33.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 90.21% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Nebraska State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.34% above tier average
- + Efficiency Ratio 85.98% below tier average
- + Non-Interest Income / Assets 0.51% below tier average
- + Net Interest Margin 1.02% above tier average
- + Delinquency Rate 0.07% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.1M
+8.9% YoY
+0.1% QoQ
|
+$11.7M |
$62.4M
-0.0% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$55.0M
-2.1% YoY
+3.8% QoQ
|
+$20.1M |
$34.9M
-0.6% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
81% |
| Total Deposits ? |
$61.0M
+9.6% YoY
-1.3% QoQ
|
+$9.4M |
$51.6M
-0.2% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
61% |
| Return on Assets ? |
4.34%
+2.4% YoY
+7.4% QoQ
|
+3.34% |
1.00%
+3.5% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 2.4% in tier |
| Net Interest Margin ? |
4.93%
-4.8% YoY
+4.1% QoQ
|
+1.02% |
3.91%
+2.3% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Top 14.7% in tier |
| Efficiency Ratio ? |
33.42%
+2.1% YoY
-6.6% QoQ
|
-85.98% |
119.40%
+49.6% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
1.41%
-20.7% YoY
+836.7% QoQ
|
-0.07% |
1.48%
+31.8% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
90.21%
-10.7% YoY
+5.2% QoQ
|
+16.00% |
74.21%
+12.6% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
20.56%
+5.7% YoY
+0.2% QoQ
|
-2.93% |
23.49%
+0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
2.40%
+63.1% YoY
+64.3% QoQ
|
+1.56% |
0.84%
+23.0% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.6% in tier |
| Tier 1 Capital Ratio ? |
18.08%
+2.0% YoY
+7.4% QoQ
|
-9.04% |
27.13%
+3.0% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.87%
-9.7% YoY
+86.2% QoQ
|
-0.51% |
1.38%
+6.3% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
Top 5.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.6%
+1.1pp YoY 0.0pp QoQ |
-4.1pp | 24.6% | 17.6% | 22.2% | 39% |
| Brokered Deposits |
9.8%
+0.1pp YoY -1.5pp QoQ |
+0.1pp | 9.8% | 8.9% | 8.5% | 66% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.6%
-0.1pp YoY +0.1pp QoQ |
-11.8pp | 13.4% | 12.3% | 12.5% | 5% |
| CRE | n/a | n/a | 25.2% | 32.3% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 16.9% | 31.3% | n/a |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.7pp | 7.7% | 3.1% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
18.1%
+0.4pp YoY +1.2pp QoQ |
+0.4pp | 17.7% | 12.1% | 12.6% | 81% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-1 (-12.5%) YoY 0 QoQ |
-5 | 12 | 98 | 482 | 20% |
| Assets per Employee ($) |
$10.6M
+24.5% YoY +0.1% QoQ |
+$4.4M | $6.2M | $8.5M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 7 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.4%
-0.4pp YoY +1.3pp QoQ |
+0.5pp | 1.0% | 0.4% | 0.4% | 82% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
0.69x
+31.0% YoY -89.7% QoQ |
-5.73x | 6.41x | 31.69x | 20.23x | 32% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
25.9%
+0.9pp YoY +1.9pp QoQ |
+19.5pp | 6.4% | 12.3% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.9% | 1.7% | 79% |
| Net Income ($, YTD) |
$1.6M
+8.0% YoY — QoQ |
+$1.3M | $317,817 | $6.1M | $40.4M | 98% |
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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.