BlastPoint's Banking Scorecard
Commercial Bank
Micro
Specialty: Agricultural
NE
FDIC cert 12246
Designations: ✓ Community bank
Nelson, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Commercial Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.3M
-1.3% YoY
+4.2% QoQ
|
-$157.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$42.1M
+7.9% YoY
+4.7% QoQ
|
-$97.1M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$52.1M
-3.1% YoY
+3.9% QoQ
|
-$131.6M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.07%
+10.3% YoY
+35.9% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
4.08%
+0.9% YoY
+0.7% QoQ
|
+0.23% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
66.96%
-5.7% YoY
-9.4% QoQ
|
-0.77% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
2.05%
+59.5% YoY
+105.6% QoQ
|
+1.41% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
80.77%
+11.4% YoY
+0.8% QoQ
|
+6.24% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
16.71%
-14.1% YoY
+7.1% QoQ
|
-5.68% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.43%
+74.4% YoY
+106.6% QoQ
|
+0.98% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
17.39%
+4.2% YoY
-0.4% QoQ
|
+8.54% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.10%
-27.5% YoY
+28.6% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.10%
(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
80
80th pctile
Tier 1 Capital Ratio
Current: 17.39% · Tier avg: 8.85%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
48
48th pctile
Efficiency Ratio
Current: 66.96% · Tier avg: 67.73%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.77% · Tier avg: 74.53%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.71% · Tier avg: 22.39%
16
16th pctile
Total Loans
Current: $42.1M · Tier avg: $139.2M
13
13th pctile
Delinquency Rate
Current: 2.05% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.43% · Tier avg: 0.45%
11
11th pctile
Total Deposits
Current: $52.1M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.3M · Tier avg: $217.5M
9
9th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.10% · Tier avg: 0.56%
10
10th pctile
Total Assets
Current: $60.3M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $52.1M · Tier avg: $183.7M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.43% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.05% · Tier avg: 0.64%
16
16th pctile
Total Loans
Current: $42.1M · Tier avg: $139.2M
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.71% · Tier avg: 22.39%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.77% · Tier avg: 74.53%
48
48th pctile
Efficiency Ratio
Current: 66.96% · Tier avg: 67.73%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.39% · Tier avg: 8.85%