BlastPoint's Banking Scorecard
Henderson State Bank
Community
Specialty: Agricultural
NE
FDIC cert 17229
Henderson, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Henderson State Bank shows strong momentum with 2 strengths and 33.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.18% below tier
- + Loan-to-Deposit Ratio 22.14% 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 ? |
$635.4M
+33.1% YoY
+5.4% QoQ
|
-$756.0M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$508.8M
+35.7% YoY
+3.8% QoQ
|
-$466.7M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$483.6M
+25.1% YoY
+8.8% QoQ
|
-$681.0M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.64%
+21.4% YoY
-1.5% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
4.02%
+16.9% YoY
+0.8% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
45.45%
-11.2% YoY
+0.2% QoQ
|
-17.18% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.20%
-35.1% QoQ
|
-0.43% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
105.21%
+8.4% YoY
-4.5% QoQ
|
+22.14% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.22%
-10.6% YoY
+43.8% QoQ
|
-9.82% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-36.1% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.25%
+21.5% YoY
+25.6% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.45%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 7%
in Community
Why this stands out
Current:
105.21%
(Tier avg: 83.06%, National avg: 78.04%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.21% · Tier avg: 83.06%
91
91th pctile
Efficiency Ratio
Current: 45.45% · Tier avg: 62.63%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
32
32th pctile
Total Loans
Current: $508.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
19
19th pctile
Total Assets
Current: $635.4M · Tier avg: $1.4B
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.22% · Tier avg: 21.05%
11
11th pctile
Total Deposits
Current: $483.6M · Tier avg: $1.2B
Top Weaknesses
11
11th pctile
Total Deposits
Current: $483.6M · Tier avg: $1.2B
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 11.22% · Tier avg: 21.05%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
19
19th pctile
Total Assets
Current: $635.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Loans
Current: $508.8M · Tier avg: $975.5M
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
70
70th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
81
81th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
91
91th pctile
Efficiency Ratio
Current: 45.45% · Tier avg: 62.63%
93
93th pctile
Loan-to-Deposit Ratio
Current: 105.21% · Tier avg: 83.06%