BlastPoint's Banking Scorecard
Great Plains State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 14058
Designations: ✓ Community bank
Petersburg, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Great Plains 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
- - Loan-to-Deposit Ratio 25.81% above tier
- - Nonperforming Asset Ratio 1.63% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$369.1M
+1.8% YoY
-2.2% QoQ
|
+$151.6M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$301.6M
+7.7% YoY
+2.8% QoQ
|
+$162.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$300.6M
+1.5% YoY
-4.3% QoQ
|
+$117.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
81% |
| Return on Assets ? |
0.90%
+26.9% YoY
+3.2% QoQ
|
-0.18% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
3.49%
+4.6% YoY
+1.4% QoQ
|
-0.37% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
64.47%
-10.4% YoY
-0.2% QoQ
|
-3.26% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
2.29%
+77.6% YoY
-27.1% QoQ
|
+1.65% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
100.33%
+6.2% YoY
+7.4% QoQ
|
+25.81% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.69%
+2.2% YoY
+4.1% QoQ
|
-11.70% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
2.08%
+109.1% YoY
-14.7% QoQ
|
+1.63% |
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 ? |
0.14%
+1.6% YoY
+36.1% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
100.33%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.08%
(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
93
93th pctile
Total Loans
Current: $301.6M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $369.1M · Tier avg: $217.5M
81
81th pctile
Total Deposits
Current: $300.6M · Tier avg: $183.7M
54
54th pctile
Efficiency Ratio
Current: 64.47% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
33
33th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.85%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.69% · Tier avg: 22.39%
11
11th pctile
Delinquency Rate
Current: 2.29% · Tier avg: 0.64%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.33% · Tier avg: 74.53%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.45%
9
9th pctile
Loan-to-Deposit Ratio
Current: 100.33% · Tier avg: 74.53%
11
11th pctile
Delinquency Rate
Current: 2.29% · Tier avg: 0.64%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.69% · Tier avg: 22.39%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
33
33th pctile
Net Interest Margin
Current: 3.49% · Tier avg: 3.85%
40
40th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Efficiency Ratio
Current: 64.47% · Tier avg: 67.73%
81
81th pctile
Total Deposits
Current: $300.6M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $369.1M · Tier avg: $217.5M
93
93th pctile
Total Loans
Current: $301.6M · Tier avg: $139.2M