BlastPoint's Banking Scorecard
Thayer County Bank
Micro
Specialty: Other
NE
FDIC cert 11475
Designations: ✓ Community bank
Hebron, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Thayer County Bank shows strong momentum with 2 strengths and 9.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.5M
+9.6% YoY
+6.8% QoQ
|
-$128.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$51.2M
+0.8% YoY
+1.7% QoQ
|
-$88.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$67.7M
+8.5% YoY
+5.5% QoQ
|
-$115.9M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.92%
-7.8% YoY
-8.2% QoQ
|
-0.16% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.61%
+6.6% YoY
+0.5% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
66.67%
+4.6% YoY
+5.6% QoQ
|
-1.06% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.55%
-7.1% YoY
-3.6% QoQ
|
+1.02% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
23.27%
+3.1% YoY
+5.4% QoQ
|
+0.87% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-62.2% YoY
+19.3% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.27% · Tier avg: 22.39%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.55% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.67% · Tier avg: 67.73%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
20
20th pctile
Total Loans
Current: $51.2M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.5M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $67.7M · Tier avg: $183.7M
Top Weaknesses
17
17th pctile
Total Deposits
Current: $67.7M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.5M · Tier avg: $217.5M
20
20th pctile
Total Loans
Current: $51.2M · Tier avg: $139.2M
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
41
41th pctile
Return on Assets
Current: 0.92% · Tier avg: 1.08%
49
49th pctile
Efficiency Ratio
Current: 66.67% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Loan-to-Deposit Ratio
Current: 75.55% · Tier avg: 74.53%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.27% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%