BlastPoint's Banking Scorecard
Bank of Prague
Micro
Specialty: Agricultural
NE
FDIC cert 12745
Designations: ✓ Community bank
Prague, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Bank of Prague shows strong momentum with 3 strengths and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.34% above tier
- + Net Interest Margin 1.13% above tier
- + Non-Interest Income / Assets 1.29% above 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 ? |
$45.5M
+6.3% YoY
+3.4% QoQ
|
-$172.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$32.9M
+3.3% YoY
+3.2% QoQ
|
-$106.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$39.9M
+6.9% YoY
+3.7% QoQ
|
-$143.7M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
2.43%
-22.1% YoY
-2.4% QoQ
|
+1.34% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.98%
+0.5% YoY
-0.1% QoQ
|
+1.13% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
58.27%
+10.5% YoY
+6.6% QoQ
|
-9.46% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.84%
+57.7% YoY
+12.7% QoQ
|
+0.20% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
82.30%
-3.3% YoY
-0.4% QoQ
|
+7.77% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
20.02%
-5.7% YoY
+3.5% QoQ
|
-2.38% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.61%
+53.3% YoY
+12.6% QoQ
|
+0.16% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
32% |
| 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 ? |
1.85%
+2.1% YoY
+39.8% QoQ
|
+1.29% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.98%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.85%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 1.85% · Tier avg: 0.56%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.08%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
72
72th pctile
Efficiency Ratio
Current: 58.27% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.02% · Tier avg: 22.39%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.30% · Tier avg: 74.53%
33
33th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
12
12th pctile
Total Loans
Current: $32.9M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $39.9M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $45.5M · Tier avg: $217.5M
Top Weaknesses
6
6th pctile
Total Assets
Current: $45.5M · Tier avg: $217.5M
7
7th pctile
Total Deposits
Current: $39.9M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $32.9M · Tier avg: $139.2M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
33
33th pctile
Delinquency Rate
Current: 0.84% · Tier avg: 0.64%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.30% · Tier avg: 74.53%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.02% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.27% · Tier avg: 67.73%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.08%
97
97th pctile
Non-Interest Income / Assets
Current: 1.85% · Tier avg: 0.56%