BlastPoint's Banking Scorecard
Commercial State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 1986
Designations: ✓ Community bank
Republican City, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Commercial State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 31.02% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.41% below tier
- - Non-Interest-Bearing Deposit Share 13.72% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$75.3M
-1.0% YoY
-5.0% QoQ
|
-$142.2M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$21.9M
+12.3% YoY
-3.2% QoQ
|
-$117.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$50.3M
-0.3% YoY
-0.5% QoQ
|
-$133.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.61%
+121.2% YoY
-49.3% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
2.45%
+30.2% YoY
+2.8% QoQ
|
-1.41% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
66.96%
-17.0% YoY
+91.5% QoQ
|
-0.77% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
48% |
| 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 ? |
43.51%
+12.6% YoY
-2.8% QoQ
|
-31.02% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.67%
+3.0% YoY
+36.6% QoQ
|
-13.72% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| 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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.02%
+21.2% YoY
+26.3% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (3)
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 8%
in Micro
Why this stands out
Current:
43.51%
(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%)
Concerns (3)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.67%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.02%
(Tier avg: 0.56%, National avg: 0.65%)
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%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.51% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Efficiency Ratio
Current: 66.96% · Tier avg: 67.73%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
14
14th pctile
Total Assets
Current: $75.3M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $50.3M · Tier avg: $183.7M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.67% · Tier avg: 22.39%
8
8th pctile
Total Loans
Current: $21.9M · Tier avg: $139.2M
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
8
8th pctile
Total Loans
Current: $21.9M · Tier avg: $139.2M
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.67% · Tier avg: 22.39%
11
11th pctile
Total Deposits
Current: $50.3M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $75.3M · Tier avg: $217.5M
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
48
48th pctile
Efficiency Ratio
Current: 66.96% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.51% · Tier avg: 74.53%
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%