BlastPoint's Banking Scorecard
Clarkson Bank
Micro
Specialty: Agricultural
NE
FDIC cert 14581
Designations: ✓ Community bank
Clarkson, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Clarkson Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.5M
+7.9% YoY
+7.4% QoQ
|
-$139.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$43.2M
+17.9% YoY
+14.0% QoQ
|
-$95.9M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$60.9M
-0.2% YoY
-1.7% QoQ
|
-$122.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.31%
+23.4% YoY
-3.1% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
65% |
| Net Interest Margin ? |
3.29%
+15.2% YoY
+1.0% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
51.14%
-7.7% YoY
+2.9% QoQ
|
-16.59% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.23%
+663.1% YoY
-19.6% QoQ
|
-0.41% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
71.04%
+18.2% YoY
+15.9% QoQ
|
-3.49% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
22.94%
+19.9% YoY
+18.6% QoQ
|
+0.54% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.13%
+734.0% YoY
-14.7% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
64% |
| 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 ? |
0.09%
-16.0% YoY
+21.8% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
88
88th pctile
Efficiency Ratio
Current: 51.14% · Tier avg: 67.73%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
60
60th pctile
Loan-to-Deposit Ratio
Current: 71.04% · Tier avg: 74.53%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.94% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
17
17th pctile
Total Loans
Current: $43.2M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $78.5M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $60.9M · Tier avg: $183.7M
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
14
14th pctile
Total Deposits
Current: $60.9M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $78.5M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $43.2M · Tier avg: $139.2M
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.94% · Tier avg: 22.39%
59
59th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.64%
60
60th pctile
Loan-to-Deposit Ratio
Current: 71.04% · Tier avg: 74.53%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
65
65th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.14% · Tier avg: 67.73%