BlastPoint's Banking Scorecard
Bank of Lindsay
Micro
Specialty: Agricultural
NE
FDIC cert 19087
Designations: ✓ Community bank
Lindsay, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Bank of Lindsay demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 37.83% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 1.36% 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 ? |
$102.3M
-0.0% YoY
+5.9% QoQ
|
-$115.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$80.1M
-7.8% YoY
-4.8% QoQ
|
-$59.1M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$71.3M
+7.6% YoY
+10.2% QoQ
|
-$112.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.74%
+13.7% YoY
+23.8% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.26%
-2.0% YoY
-0.4% QoQ
|
-0.60% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
82.09%
-1.8% YoY
+1.3% QoQ
|
+14.37% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
17% |
| 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 ? |
112.36%
-14.3% YoY
-13.6% QoQ
|
+37.83% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.62%
+0.6% YoY
+16.0% QoQ
|
+0.23% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
54% |
| 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 ? |
10.68%
+8.3% YoY
+5.1% QoQ
|
+1.83% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
1.93%
+23.4% YoY
+151.6% QoQ
|
+1.36% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
112.36%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.93%
(Tier avg: 0.56%, National avg: 0.65%)
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%
97
97th pctile
Non-Interest Income / Assets
Current: 1.93% · Tier avg: 0.56%
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.36% · Tier avg: 74.53%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.62% · Tier avg: 22.39%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.68% · Tier avg: 8.85%
34
34th pctile
Total Loans
Current: $80.1M · Tier avg: $139.2M
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
23
23th pctile
Total Assets
Current: $102.3M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.3M · Tier avg: $183.7M
17
17th pctile
Efficiency Ratio
Current: 82.09% · Tier avg: 67.73%
Top Weaknesses
17
17th pctile
Efficiency Ratio
Current: 82.09% · Tier avg: 67.73%
18
18th pctile
Total Deposits
Current: $71.3M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $102.3M · Tier avg: $217.5M
24
24th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.85%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
34
34th pctile
Total Loans
Current: $80.1M · Tier avg: $139.2M
54
54th pctile
Tier 1 Capital Ratio
Current: 10.68% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.62% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.36% · Tier avg: 74.53%
97
97th pctile
Non-Interest Income / Assets
Current: 1.93% · Tier avg: 0.56%
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%