BlastPoint's Banking Scorecard
Western Nebraska Bank
Micro
Specialty: Agricultural
NE
FDIC cert 1983
Designations: ✓ Community bank
Curtis, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Western Nebraska Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.26% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$193.4M
+8.6% YoY
-0.2% QoQ
|
-$24.1M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$151.0M
+16.1% YoY
+1.9% QoQ
|
+$11.8M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$159.5M
+9.7% YoY
+0.7% QoQ
|
-$24.2M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.19%
+88.7% YoY
+1.6% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
4.16%
+13.9% YoY
+1.8% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
65.23%
-17.4% YoY
-0.2% QoQ
|
-2.50% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.01%
-96.9% YoY
-8.9% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
94.68%
+5.8% YoY
+1.2% QoQ
|
+20.15% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.14%
+6.7% YoY
+20.4% QoQ
|
-14.26% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-96.7% YoY
-7.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
82% |
| 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 ? |
0.59%
+5.4% YoY
+41.4% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.14%
(Tier avg: 22.39%, National avg: 21.79%)
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
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
60
60th pctile
Total Loans
Current: $151.0M · Tier avg: $139.2M
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
53
53th pctile
Efficiency Ratio
Current: 65.23% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $193.4M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $159.5M · Tier avg: $183.7M
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.68% · Tier avg: 74.53%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.14% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.14% · Tier avg: 22.39%
15
15th pctile
Loan-to-Deposit Ratio
Current: 94.68% · Tier avg: 74.53%
48
48th pctile
Total Deposits
Current: $159.5M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $193.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 65.23% · Tier avg: 67.73%
58
58th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.08%
60
60th pctile
Total Loans
Current: $151.0M · Tier avg: $139.2M
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%