BlastPoint's Banking Scorecard
Bruning Bank
Community
Specialty: Agricultural
NE
FDIC cert 18748
Bruning, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Bruning Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$679.7M
+4.1% YoY
+0.9% QoQ
|
-$711.8M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$497.9M
+14.4% YoY
+3.8% QoQ
|
-$477.6M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$553.6M
+4.8% YoY
+7.0% QoQ
|
-$611.0M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.88%
+48.6% YoY
+11.4% QoQ
|
-0.28% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.46%
+23.1% YoY
+2.3% QoQ
|
-0.20% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
64.66%
-12.8% YoY
-0.8% QoQ
|
+2.03% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
89.94%
+9.1% YoY
-3.0% QoQ
|
+6.88% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
14.49%
-2.3% YoY
+8.0% QoQ
|
-6.55% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.36%
-1.0% YoY
+40.9% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Capital Thin
risk
#183 of 432 · Bottom 42% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
42
42th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 62.63%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.94% · Tier avg: 83.06%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
31
31th pctile
Total Loans
Current: $497.9M · Tier avg: $975.5M
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Total Assets
Current: $679.7M · Tier avg: $1.4B
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.49% · Tier avg: 21.05%
21
21th pctile
Total Deposits
Current: $553.6M · Tier avg: $1.2B
Top Weaknesses
21
21th pctile
Total Deposits
Current: $553.6M · Tier avg: $1.2B
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.49% · Tier avg: 21.05%
25
25th pctile
Total Assets
Current: $679.7M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.16%
31
31th pctile
Total Loans
Current: $497.9M · Tier avg: $975.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.94% · Tier avg: 83.06%
40
40th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.66%
42
42th pctile
Efficiency Ratio
Current: 64.66% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%