BlastPoint's Banking Scorecard
Auburn State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 11477
Designations: ✓ Community bank
Auburn, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Auburn State Bank has 2 strengths but faces 2 concerns
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
- - Net Interest Margin 1.18% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.5M
+0.2% YoY
-1.7% QoQ
|
+$38.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$110.9M
+2.9% YoY
+1.2% QoQ
|
-$28.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$221.4M
-1.8% YoY
-2.7% QoQ
|
+$37.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.01%
+44.3% YoY
+2.9% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
2.68%
+6.8% YoY
+1.2% QoQ
|
-1.18% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
54.88%
-7.5% YoY
+4.7% QoQ
|
-12.85% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? | 0.00% | -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 ? |
50.08%
+4.8% YoY
+4.0% QoQ
|
-24.45% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.79%
-4.5% YoY
+4.3% QoQ
|
-6.61% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
0.11%
+1.2% YoY
+34.4% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
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 (2)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.68%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.08% · Tier avg: 74.53%
81
81th pctile
Efficiency Ratio
Current: 54.88% · Tier avg: 67.73%
65
65th pctile
Total Deposits
Current: $221.4M · Tier avg: $183.7M
63
63th pctile
Total Assets
Current: $255.5M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $110.9M · Tier avg: $139.2M
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 22.39%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.68% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.79% · Tier avg: 22.39%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
47
47th pctile
Total Loans
Current: $110.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Total Assets
Current: $255.5M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $221.4M · Tier avg: $183.7M
81
81th pctile
Efficiency Ratio
Current: 54.88% · Tier avg: 67.73%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.08% · Tier avg: 74.53%
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%