BlastPoint's Banking Scorecard
American Interstate Bank
Micro
Specialty: Commercial
NE
FDIC cert 1439
Designations: ✓ Community bank
Elkhorn, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
American Interstate Bank shows strong momentum with 5 strengths and 17.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.15% above tier
- + Net Interest Margin 2.02% above tier
- + Efficiency Ratio 39.90% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$134.2M
+17.1% YoY
+7.8% QoQ
|
-$83.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$66.9M
-1.7% YoY
+0.5% QoQ
|
-$72.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$109.7M
+18.7% YoY
+11.4% QoQ
|
-$73.9M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
4.23%
-0.8% YoY
+2.7% QoQ
|
+3.15% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.87%
-3.9% YoY
-1.5% QoQ
|
+2.02% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
27.83%
-4.5% YoY
+1.1% QoQ
|
-39.90% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -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 ? |
60.94%
-17.2% YoY
-9.8% QoQ
|
-13.58% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
30.55%
-6.0% YoY
+6.1% QoQ
|
+8.16% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
-18.3% YoY
+26.6% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.23%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.87%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
27.83%
(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 (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
100
100th pctile
Return on Assets
Current: 4.23% · Tier avg: 1.08%
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%
100
100th pctile
Efficiency Ratio
Current: 27.83% · Tier avg: 67.73%
97
97th pctile
Net Interest Margin
Current: 5.87% · Tier avg: 3.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.55% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Total Assets
Current: $134.2M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.7M · Tier avg: $183.7M
27
27th pctile
Total Loans
Current: $66.9M · Tier avg: $139.2M
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.94% · Tier avg: 74.53%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.94% · Tier avg: 74.53%
27
27th pctile
Total Loans
Current: $66.9M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $109.7M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $134.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.55% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.87% · Tier avg: 3.85%
100
100th pctile
Efficiency Ratio
Current: 27.83% · 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%
100
100th pctile
Return on Assets
Current: 4.23% · Tier avg: 1.08%