BlastPoint's Banking Scorecard
Battle Creek State Bank
Micro
Specialty: Commercial
NE
FDIC cert 16330
Designations: ✓ Community bank
Battle Creek, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Battle Creek State Bank shows strong momentum with 3 strengths and 43.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 13.71% above 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 ? |
$54.0M
+43.4% YoY
+13.7% QoQ
|
-$163.5M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$38.7M
+39.4% YoY
+16.5% QoQ
|
-$100.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$44.2M
+35.8% YoY
+16.9% QoQ
|
-$139.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.60%
-18.8% YoY
-6.9% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.79%
+6.3% YoY
+1.2% QoQ
|
-0.07% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
81.85%
+6.7% YoY
+1.3% QoQ
|
+14.13% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
18% |
| 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 ? |
87.51%
+2.6% YoY
-0.4% QoQ
|
+12.98% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
15.47%
-19.1% YoY
-25.3% QoQ
|
-6.92% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
25% |
| 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 ? |
22.56%
+43.8% YoY
-13.8% QoQ
|
+13.71% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.63%
-18.7% YoY
+43.0% QoQ
|
+0.06% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (3)
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%)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.56%
(Tier avg: 8.85%, National avg: 9.75%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.56% · Tier avg: 8.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
72
72th pctile
Loan-to-Deposit Ratio
Current: 87.51% · Tier avg: 74.53%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.47% · Tier avg: 22.39%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 81.85% · Tier avg: 67.73%
15
15th pctile
Total Loans
Current: $38.7M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $44.2M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.0M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $54.0M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $44.2M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $38.7M · Tier avg: $139.2M
18
18th pctile
Efficiency Ratio
Current: 81.85% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.60% · Tier avg: 1.08%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.47% · Tier avg: 22.39%
49
49th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 87.51% · Tier avg: 74.53%
79
79th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.56%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.56% · Tier avg: 8.85%
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%