BlastPoint's Banking Scorecard
Boelus State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 17825
Designations: ✓ Community bank
Boelus, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Boelus State Bank has 3 strengths but faces 1 concern
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 31.80% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 49.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.5M
+6.0% YoY
-0.3% QoQ
|
-$194.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$5.0M
-2.8% YoY
-0.6% QoQ
|
-$134.1M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$19.9M
+5.8% YoY
-0.6% QoQ
|
-$163.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.19%
-22.0% YoY
-15.5% QoQ
|
+0.11% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.11%
-15.3% YoY
-2.8% QoQ
|
-0.74% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
51.47%
+10.5% YoY
+18.1% QoQ
|
-16.26% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 12% 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 ? |
25.37%
-8.1% YoY
-0.0% QoQ
|
-49.15% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.62%
-6.2% YoY
-8.1% QoQ
|
-3.77% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
36% |
| 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 ? |
40.65%
+9.9% YoY
|
+31.80% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.12%
-5.6% YoY
+164.4% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
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 1%
in Micro
Why this stands out
Current:
40.65%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
25.37%
(Tier avg: 74.53%, National avg: 78.04%)
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%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.65% · Tier avg: 8.85%
88
88th pctile
Efficiency Ratio
Current: 51.47% · Tier avg: 67.73%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.62% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
3
3th pctile
Total Deposits
Current: $19.9M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $23.5M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $5.0M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 25.37% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 25.37% · Tier avg: 74.53%
2
2th pctile
Total Loans
Current: $5.0M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $23.5M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $19.9M · Tier avg: $183.7M
11
11th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.62% · Tier avg: 22.39%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.47% · Tier avg: 67.73%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.65% · 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%