BlastPoint's Banking Scorecard
Bank of Hartington
Micro
Specialty: Agricultural
NE
FDIC cert 13962
Designations: ✓ Community bank
Hartington, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Bank of Hartington shows strong momentum with 2 strengths and 9.0% YoY asset growth
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
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 ? |
$155.2M
+9.0% YoY
+8.3% QoQ
|
-$62.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$117.7M
+13.8% YoY
+11.4% QoQ
|
-$21.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$128.5M
+11.5% YoY
+8.2% QoQ
|
-$55.2M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.18%
+0.7% YoY
-6.6% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
4.27%
+5.7% YoY
-0.8% QoQ
|
+0.42% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
68.35%
+0.2% YoY
+2.7% QoQ
|
+0.62% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
44% |
| 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 ? |
91.56%
+2.0% YoY
+3.0% QoQ
|
+17.04% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
19.81%
-15.7% YoY
-3.0% QoQ
|
-2.59% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? |
10.20%
-5.4% YoY
-12.1% QoQ
|
+1.35% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.36%
-8.8% YoY
+24.1% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
50% |
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 (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
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%
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.56% · Tier avg: 74.53%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.20% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
49
49th pctile
Total Loans
Current: $117.7M · Tier avg: $139.2M
44
44th pctile
Efficiency Ratio
Current: 68.35% · Tier avg: 67.73%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.81% · Tier avg: 22.39%
40
40th pctile
Total Assets
Current: $155.2M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $128.5M · Tier avg: $183.7M
Top Weaknesses
38
38th pctile
Total Deposits
Current: $128.5M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $155.2M · Tier avg: $217.5M
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.81% · Tier avg: 22.39%
44
44th pctile
Efficiency Ratio
Current: 68.35% · Tier avg: 67.73%
49
49th pctile
Total Loans
Current: $117.7M · Tier avg: $139.2M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.20% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
71
71th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 91.56% · 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%