BlastPoint's Banking Scorecard
Security National Bank of Omaha
Community
Specialty: Commercial
NE
FDIC cert 19213
Omaha, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Security National Bank of Omaha faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9% in Community
- - Credit Quality Pressure: Bottom 12% in Community
- - Deposit Outflow: Bottom 15% in Community
- - Liquidity Strain: Bottom 16% in Community
- - Capital Constraint: Bottom 43% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
-2.2% YoY
-3.9% QoQ
|
+$334.1M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.3B
+3.9% YoY
-2.3% QoQ
|
+$327.4M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.4B
-4.2% YoY
-3.9% QoQ
|
+$260.2M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.28%
+19.6% YoY
+0.7% QoQ
|
+0.11% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.24%
+1.3% YoY
+2.8% QoQ
|
+0.57% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
65.93%
+2.5% YoY
+1.7% QoQ
|
+3.29% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.19%
+18.4% YoY
+55.3% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
91.44%
+8.4% YoY
+1.7% QoQ
|
+8.38% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
23.66%
-4.2% YoY
-1.7% QoQ
|
+2.61% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.14%
+25.4% YoY
+57.2% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
13.32%
+9.6% YoY
+4.7% QoQ
|
+3.08% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
1.00%
+25.9% YoY
+42.4% QoQ
|
+0.26% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Credit Risk Growth
risk
#59 of 642 · Bottom 9% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#101 of 808 · Bottom 12% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.19%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Deposit Outflow
decline
#39 of 248 · Bottom 15% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Strain
risk
#82 of 513 · Bottom 16% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.44%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Constraint
risk
#21 of 47 · Bottom 43% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
91.44%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.32%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
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
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%
79
79th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.44% · Tier avg: 83.06%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.66% · Tier avg: 21.05%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.32% · Tier avg: 10.24%
38
38th pctile
Efficiency Ratio
Current: 65.93% · Tier avg: 62.63%
Top Weaknesses
38
38th pctile
Efficiency Ratio
Current: 65.93% · Tier avg: 62.63%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.32% · Tier avg: 10.24%
62
62th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.16%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.66% · Tier avg: 21.05%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.44% · Tier avg: 83.06%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
75
75th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
79
79th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.66%
86
86th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.74%