BlastPoint's Banking Scorecard
Nebraska State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 13696
Designations: ✓ Community bank
Bristow, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Nebraska State 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
- - Delinquency Rate 2.89% above tier
- - Nonperforming Asset Ratio 1.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.3M
+7.3% YoY
-3.0% QoQ
|
-$195.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$14.0M
+0.6% YoY
+0.0% QoQ
|
-$125.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$18.6M
+7.6% YoY
-3.0% QoQ
|
-$165.1M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.06%
-23.5% YoY
-5.3% QoQ
|
-0.03% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
4.41%
-8.2% YoY
+1.3% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
68.66%
+7.0% YoY
+4.1% QoQ
|
+0.93% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
3.53%
+9.5% QoQ
|
+2.89% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
75.26%
-6.5% YoY
+3.2% QoQ
|
+0.73% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
27.37%
-4.9% YoY
+9.6% QoQ
|
+4.98% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
2.21%
+13.0% QoQ
|
+1.75% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% 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 ? |
0.13%
-67.0% YoY
+52.0% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.53%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 0.45%, National avg: 0.48%)
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
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.37% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.26% · Tier avg: 74.53%
43
43th pctile
Efficiency Ratio
Current: 68.66% · Tier avg: 67.73%
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.45%
5
5th pctile
Total Loans
Current: $14.0M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $18.6M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $22.3M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 3.53% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.53% · Tier avg: 0.64%
1
1th pctile
Total Assets
Current: $22.3M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $18.6M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $14.0M · Tier avg: $139.2M
6
6th pctile
Nonperforming Asset Ratio
Current: 2.21% · Tier avg: 0.45%
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
43
43th pctile
Efficiency Ratio
Current: 68.66% · Tier avg: 67.73%
48
48th pctile
Loan-to-Deposit Ratio
Current: 75.26% · Tier avg: 74.53%
49
49th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.37% · Tier avg: 22.39%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%