BlastPoint's Banking Scorecard
Hershey Bank
Micro
Specialty: Agricultural
NE
FDIC cert 19809
Designations: ✓ Community bank
Hershey, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Hershey Bank shows strong momentum with 1 strength and 14.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.68% 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 ? |
$138.5M
+14.4% YoY
+3.8% QoQ
|
-$79.0M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$114.9M
+14.0% YoY
-0.5% QoQ
|
-$24.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$100.6M
+16.1% YoY
+2.0% QoQ
|
-$83.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.27%
-10.0% YoY
-0.3% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.24%
-6.7% YoY
+1.2% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
59.65%
+5.0% YoY
+1.1% QoQ
|
-8.07% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
1.70%
+3.4% YoY
-11.7% QoQ
|
+1.06% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
114.20%
-1.9% YoY
-2.4% QoQ
|
+39.68% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.25%
-7.1% YoY
+2.1% QoQ
|
-10.14% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.41%
+3.1% YoY
-15.3% QoQ
|
+0.96% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.48%
+3.4% YoY
+28.2% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
114.20%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.20% · Tier avg: 74.53%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
68
68th pctile
Efficiency Ratio
Current: 59.65% · Tier avg: 67.73%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $114.9M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $138.5M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $100.6M · Tier avg: $183.7M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.25% · Tier avg: 22.39%
16
16th pctile
Delinquency Rate
Current: 1.70% · Tier avg: 0.64%
13
13th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.45%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.41% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.70% · Tier avg: 0.64%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.25% · Tier avg: 22.39%
29
29th pctile
Total Deposits
Current: $100.6M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $138.5M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $114.9M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
68
68th pctile
Efficiency Ratio
Current: 59.65% · Tier avg: 67.73%
69
69th pctile
Net Interest Margin
Current: 4.24% · Tier avg: 3.85%
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.20% · Tier avg: 74.53%