BlastPoint's Banking Scorecard
State Bank of Scotia
Micro
Specialty: Agricultural
NE
FDIC cert 14069
Designations: ✓ Community bank
Scotia, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
State Bank of Scotia has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 24.49% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.30% above tier
- - Nonperforming Asset Ratio 1.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.6M
-0.6% YoY
-1.5% QoQ
|
-$159.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$28.3M
-11.7% YoY
-3.5% QoQ
|
-$110.9M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$45.1M
-1.1% YoY
-1.6% QoQ
|
-$138.6M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.45%
-27.9% YoY
-46.2% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
2.78%
-11.6% YoY
-0.3% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
69.28%
+4.8% YoY
+19.3% QoQ
|
+1.56% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
3.94%
+37.3% YoY
-5.7% QoQ
|
+3.30% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
62.86%
-10.7% YoY
-1.9% QoQ
|
-11.66% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
15.68%
+5.7% YoY
+15.6% QoQ
|
-6.71% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
2.00%
+26.1% YoY
-4.4% QoQ
|
+1.55% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
33.34%
+9.5% YoY
+0.4% QoQ
|
+24.49% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.19%
-7.8% YoY
+25.8% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.34%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.94%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.00%
(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
97
97th pctile
Tier 1 Capital Ratio
Current: 33.34% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.28% · Tier avg: 67.73%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.86% · Tier avg: 74.53%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.68% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.85%
10
10th pctile
Total Loans
Current: $28.3M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $45.1M · Tier avg: $183.7M
7
7th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.94% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.94% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.45%
8
8th pctile
Total Deposits
Current: $45.1M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $28.3M · Tier avg: $139.2M
10
10th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.85%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.68% · Tier avg: 22.39%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.86% · Tier avg: 74.53%
42
42th pctile
Efficiency Ratio
Current: 69.28% · Tier avg: 67.73%
97
97th pctile
Tier 1 Capital Ratio
Current: 33.34% · Tier avg: 8.85%