BlastPoint's Banking Scorecard
Banner Capital Bank
Micro
Specialty: Agricultural
NE
FDIC cert 19274
Designations: ✓ Community bank
Harrisburg, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Banner Capital Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.03% 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 ? |
$368.9M
+2.7% YoY
+2.4% QoQ
|
+$151.4M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$288.3M
+4.7% YoY
+2.4% QoQ
|
+$149.1M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$327.3M
+2.4% YoY
+2.3% QoQ
|
+$143.6M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
2.11%
+11.8% YoY
+10.6% QoQ
|
+1.03% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.74%
+4.1% YoY
+4.2% QoQ
|
+0.88% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
51.43%
-1.6% YoY
-3.9% QoQ
|
-16.29% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.55%
-67.9% YoY
-64.9% QoQ
|
-0.09% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
88.08%
+2.3% YoY
+0.1% QoQ
|
+13.55% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
14.95%
-6.0% YoY
+3.0% QoQ
|
-7.44% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.60%
-66.2% YoY
-62.8% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.19%
+3.6% YoY
+0.7% QoQ
|
+3.33% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.25%
-3.2% YoY
+63.5% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.11%
(Tier avg: 1.08%, National avg: 1.12%)
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
Return on Assets
Current: 2.11% · Tier avg: 1.08%
90
90th pctile
Total Loans
Current: $288.3M · Tier avg: $139.2M
88
88th pctile
Efficiency Ratio
Current: 51.43% · Tier avg: 67.73%
86
86th pctile
Total Deposits
Current: $327.3M · Tier avg: $183.7M
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
84
84th pctile
Total Assets
Current: $368.9M · Tier avg: $217.5M
59
59th pctile
Tier 1 Capital Ratio
Current: 12.19% · Tier avg: 8.85%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
27
27th pctile
Loan-to-Deposit Ratio
Current: 88.08% · Tier avg: 74.53%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
Top Weaknesses
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
27
27th pctile
Loan-to-Deposit Ratio
Current: 88.08% · Tier avg: 74.53%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.60% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.64%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.19% · Tier avg: 8.85%
84
84th pctile
Total Assets
Current: $368.9M · Tier avg: $217.5M
86
86th pctile
Net Interest Margin
Current: 4.74% · Tier avg: 3.85%
86
86th pctile
Total Deposits
Current: $327.3M · Tier avg: $183.7M
88
88th pctile
Efficiency Ratio
Current: 51.43% · Tier avg: 67.73%
90
90th pctile
Total Loans
Current: $288.3M · Tier avg: $139.2M
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.08%