BlastPoint's Banking Scorecard
Dayspring Bank
Community
Specialty: Agricultural
NE
FDIC cert 13622
Gothenburg, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Dayspring Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38% in Community
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+5.7% YoY
+0.7% QoQ
|
-$237.4M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$798.4M
+7.2% YoY
+1.6% QoQ
|
-$177.0M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$920.0M
+0.8% YoY
+0.8% QoQ
|
-$244.6M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.87%
+15.6% YoY
+13.7% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.48%
+22.6% YoY
+2.6% QoQ
|
-1.19% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
58.49%
-16.7% YoY
-0.4% QoQ
|
-4.14% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
1.78%
+13.1% YoY
+27.9% QoQ
|
+1.15% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
86.78%
+6.3% YoY
+0.8% QoQ
|
+3.72% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
10.15%
+10.0% YoY
-4.5% QoQ
|
-10.90% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.29%
+20.1% YoY
+23.8% QoQ
|
+0.79% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.80%
-9.1% YoY
+16.5% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#246 of 642 · Bottom 38% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.48%
(Tier avg: 3.66%, National avg: 3.75%)
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
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
63
63th pctile
Efficiency Ratio
Current: 58.49% · Tier avg: 62.63%
58
58th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
57
57th pctile
Total Loans
Current: $798.4M · Tier avg: $975.5M
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.78% · Tier avg: 83.06%
55
55th pctile
Total Deposits
Current: $920.0M · Tier avg: $1.2B
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.15% · Tier avg: 21.05%
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.48% · Tier avg: 3.66%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.15% · Tier avg: 21.05%
12
12th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.63%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.29% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
55
55th pctile
Total Deposits
Current: $920.0M · Tier avg: $1.2B
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.78% · Tier avg: 83.06%
57
57th pctile
Total Loans
Current: $798.4M · Tier avg: $975.5M
58
58th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
63
63th pctile
Efficiency Ratio
Current: 58.49% · Tier avg: 62.63%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%