BlastPoint's Banking Scorecard
Scribner Bank
Micro
Specialty: Agricultural
NE
FDIC cert 14026
Designations: ✓ Community bank
Scribner, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Scribner Bank shows strong momentum with 2 strengths and 15.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.25% above tier
- + Non-Interest Income / Assets 2.42% 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 ? |
$91.7M
+15.9% YoY
+7.8% QoQ
|
-$125.8M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$54.3M
+3.3% YoY
+4.8% QoQ
|
-$84.9M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$77.9M
+16.5% YoY
+9.3% QoQ
|
-$105.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
2.33%
-0.3% YoY
-12.9% QoQ
|
+1.25% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.88%
-0.0% YoY
-1.4% QoQ
|
+1.03% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
60.41%
-0.5% YoY
+5.6% QoQ
|
-7.32% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.89%
+98.6% YoY
-14.2% QoQ
|
+1.25% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
69.77%
-11.3% YoY
-4.2% QoQ
|
-4.76% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
34.22%
-3.8% YoY
+9.2% QoQ
|
+11.83% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+77.1% YoY
-16.7% QoQ
|
+0.67% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
2.98%
-7.0% YoY
+21.2% QoQ
|
+2.42% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.33%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.98%
(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
98
98th pctile
Non-Interest Income / Assets
Current: 2.98% · Tier avg: 0.56%
95
95th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.08%
89
89th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.22% · Tier avg: 22.39%
66
66th pctile
Efficiency Ratio
Current: 60.41% · Tier avg: 67.73%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.77% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Total Loans
Current: $54.3M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $77.9M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $91.7M · Tier avg: $217.5M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.64%
Top Weaknesses
14
14th pctile
Delinquency Rate
Current: 1.89% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
20
20th pctile
Total Assets
Current: $91.7M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $77.9M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $54.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.77% · Tier avg: 74.53%
66
66th pctile
Efficiency Ratio
Current: 60.41% · Tier avg: 67.73%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.22% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.88% · Tier avg: 3.85%
95
95th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.08%
98
98th pctile
Non-Interest Income / Assets
Current: 2.98% · Tier avg: 0.56%