BlastPoint's Banking Scorecard

Cornhusker Bank

Community Specialty: Commercial NE FDIC cert 14264

Lincoln, NE

1484 banks in Community tier nationally 39 in NE

View Community leaderboard (NE) →

Cornhusker Bank has 1 strength but faces 1 concern

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 37% in Community

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 15% in Community

Get updates when Cornhusker Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.0B +4.4% YoY -0.2% QoQ	-$366.6M	$1.4B +2.0% YoY	$784.0M +6.0% YoY	$5.9B +6.5% YoY	51%
Total Loans ?	$819.0M +1.3% YoY -3.2% QoQ	-$156.5M	$975.5M +2.4% YoY	$552.2M +6.8% YoY	$3.1B +8.5% YoY	58%
Total Deposits ?	$865.2M +6.2% YoY +0.4% QoQ	-$299.4M	$1.2B +1.7% YoY	$649.0M +5.0% YoY	$4.7B +6.3% YoY	52%
Return on Assets ?	1.05% +51.4% YoY -1.4% QoQ	-0.11%	1.16% +17.2% YoY	1.20% +15.2% YoY	1.12% +15.6% YoY	44%
Net Interest Margin ?	3.17% +18.4% YoY +2.1% QoQ	-0.50%	3.66% +9.1% YoY	3.74% +7.8% YoY	3.75% +7.1% YoY	23%
Efficiency Ratio ?	67.33% -10.1% YoY +1.8% QoQ	+4.69%	62.63% -5.3% YoY	61.59% -6.3% YoY	65.09% -5.1% YoY	34%
Delinquency Rate ?	0.05% -14.1% YoY +170.7% QoQ	-0.57%	0.63% +18.3% YoY	0.29% +38.1% YoY	0.66% +20.3% YoY	Top 12% in tier
Loan-to-Deposit Ratio ?	94.66% -4.7% YoY -3.6% QoQ	+11.60%	83.06% +0.3% YoY	82.86% +0.3% YoY	78.04% +0.7% YoY	77%
Non-Interest-Bearing Deposit Share ?	15.57% +13.8% YoY +8.9% QoQ	-5.48%	21.05% -0.9% YoY	18.22% -2.1% YoY	21.79% -1.3% YoY	28%
Nonperforming Asset Ratio ?	0.04% -16.6% YoY +162.7% QoQ	-0.46%	0.50% +20.3% YoY	0.26% +54.6% YoY	0.48% +20.8% YoY	Top 13% in tier
Tier 1 Capital Ratio ?	12.65% +2.6% YoY +1.3% QoQ	+2.41%	10.24% -0.6% YoY	6.79% +0.2% YoY	9.75% -1.9% YoY	54%
Non-Interest Income / Assets ?	0.47% -6.2% YoY +23.8% QoQ	-0.27%	0.74% -1.3% YoY	0.47% -3.0% YoY	0.65% +0.6% YoY	45%

Signature Analysis

Strengths (1)

Credit Quality Leader

growth

#138 of 371 · Top 37% in Community

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.63%, National: 0.66%)

better than tier avg

371 of 371 Community banks match · 443 nationally

→ Stable +6 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#76 of 513 · Bottom 15% in Community

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.66%

(Tier: 83.06%, National: 78.04%)

better than tier avg

513 of 513 Community banks match · 609 nationally

→ Stable -4 banks QoQ | QoQ rank improving

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Delinquency Rate

Current: 0.05% · Tier avg: 0.63%

88th pctile

Nonperforming Asset Ratio

Current: 0.04% · Tier avg: 0.50%

87th pctile

Loan-to-Deposit Ratio

Current: 94.66% · Tier avg: 83.06%

77th pctile

Total Loans

Current: $819.0M · Tier avg: $975.5M

58th pctile

Tier 1 Capital Ratio

Current: 12.65% · Tier avg: 10.24%

54th pctile

Total Deposits

Current: $865.2M · Tier avg: $1.2B

52th pctile

Total Assets

Current: $1.0B · Tier avg: $1.4B

51th pctile

Non-Interest Income / Assets

Current: 0.47% · Tier avg: 0.74%

45th pctile

Return on Assets

Current: 1.05% · Tier avg: 1.16%

44th pctile

Efficiency Ratio

Current: 67.33% · Tier avg: 62.63%

34th pctile

Non-Interest-Bearing Deposit Share

Current: 15.57% · Tier avg: 21.05%

28th pctile

Net Interest Margin

Current: 3.17% · Tier avg: 3.66%

23th pctile

Top Weaknesses