BlastPoint's Banking Scorecard
Nebraska State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 16516
Designations: ✓ Community bank
Lynch, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Nebraska State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.07% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.9M
+15.7% YoY
+2.1% QoQ
|
-$196.6M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$7.4M
-8.7% YoY
+7.4% QoQ
|
-$131.8M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$17.9M
+18.5% YoY
+3.2% QoQ
|
-$165.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.46%
-54.2% YoY
+9.8% QoQ
|
-0.62% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.55%
-22.5% YoY
+0.2% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
83.10%
+16.8% YoY
-1.6% QoQ
|
+15.37% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
4.03%
-10.2% QoQ
|
+3.39% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
41.45%
-23.0% YoY
+4.1% QoQ
|
-33.07% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.54%
+4.8% YoY
+8.8% QoQ
|
+11.14% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
1.43%
-5.6% QoQ
|
+0.98% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% 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%
-20.0% YoY
+28.8% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.45%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.03%
(Tier avg: 0.64%, National avg: 0.66%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.45% · Tier avg: 74.53%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.54% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
16
16th pctile
Efficiency Ratio
Current: 83.10% · Tier avg: 67.73%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.43% · Tier avg: 0.45%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
2
2th pctile
Total Loans
Current: $7.4M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $17.9M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $20.9M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.03% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.03% · Tier avg: 0.64%
1
1th pctile
Total Assets
Current: $20.9M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $17.9M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $7.4M · Tier avg: $139.2M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.43% · Tier avg: 0.45%
16
16th pctile
Efficiency Ratio
Current: 83.10% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.46% · Tier avg: 1.08%
36
36th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.54% · Tier avg: 22.39%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.45% · Tier avg: 74.53%