BlastPoint's Banking Scorecard
Adams County Bank
Micro
Specialty: Agricultural
NE
FDIC cert 14311
Designations: ✓ Community bank
Kenesaw, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Adams County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.86% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$240.2M
+2.0% YoY
+1.7% QoQ
|
+$22.7M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$156.4M
+2.1% YoY
+1.0% QoQ
|
+$17.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$148.6M
-1.1% YoY
+2.0% QoQ
|
-$35.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.41%
+15.9% YoY
-14.2% QoQ
|
+0.33% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
2.88%
+6.3% YoY
-1.2% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
47.87%
-8.0% YoY
+16.8% QoQ
|
-19.86% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
105.19%
+3.2% YoY
-1.0% QoQ
|
+30.66% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.29%
-6.0% YoY
+16.2% QoQ
|
-4.10% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-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 ? |
15.56%
+10.6% YoY
+3.3% QoQ
|
+6.71% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.30%
+6.7% YoY
+293.9% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.87%
(Tier avg: 67.73%, National avg: 65.09%)
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 (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.19%
(Tier avg: 74.53%, National avg: 78.04%)
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%
93
93th pctile
Efficiency Ratio
Current: 47.87% · Tier avg: 67.73%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.56% · Tier avg: 8.85%
71
71th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.08%
62
62th pctile
Total Loans
Current: $156.4M · Tier avg: $139.2M
60
60th pctile
Total Assets
Current: $240.2M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.6M · Tier avg: $183.7M
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.29% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.19% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.19% · Tier avg: 74.53%
12
12th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.85%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.29% · Tier avg: 22.39%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
45
45th pctile
Total Deposits
Current: $148.6M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $240.2M · Tier avg: $217.5M
62
62th pctile
Total Loans
Current: $156.4M · Tier avg: $139.2M
71
71th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.08%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.56% · Tier avg: 8.85%
93
93th pctile
Efficiency Ratio
Current: 47.87% · Tier avg: 67.73%
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%