BlastPoint's Banking Scorecard
Pathway Bank
Micro
Specialty: Agricultural
NE
FDIC cert 1992
Designations: ✓ Community bank
Cairo, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Pathway 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 13.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$345.6M
+4.0% YoY
-1.1% QoQ
|
+$128.1M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$237.0M
+17.3% YoY
-1.0% QoQ
|
+$97.8M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$242.8M
+4.0% YoY
+1.2% QoQ
|
+$59.2M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.22%
+18.2% YoY
+0.1% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.33%
+11.4% YoY
+1.1% QoQ
|
-0.52% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
57.52%
-7.1% YoY
+0.9% QoQ
|
-10.21% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.15%
-65.6% YoY
-86.1% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
97.61%
+12.8% YoY
-2.2% QoQ
|
+23.08% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.85%
-10.5% YoY
-9.2% QoQ
|
-13.54% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-61.4% YoY
-86.1% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| 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 ? |
0.66%
-8.5% YoY
+34.8% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.85%
(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
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.61% · Tier avg: 74.53%
82
82th pctile
Total Loans
Current: $237.0M · Tier avg: $139.2M
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
80
80th pctile
Total Assets
Current: $345.6M · Tier avg: $217.5M
74
74th pctile
Efficiency Ratio
Current: 57.52% · Tier avg: 67.73%
69
69th pctile
Total Deposits
Current: $242.8M · Tier avg: $183.7M
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.85% · Tier avg: 22.39%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.85% · Tier avg: 22.39%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
66
66th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
69
69th pctile
Total Deposits
Current: $242.8M · Tier avg: $183.7M
74
74th pctile
Efficiency Ratio
Current: 57.52% · Tier avg: 67.73%
80
80th pctile
Total Assets
Current: $345.6M · Tier avg: $217.5M
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
82
82th pctile
Total Loans
Current: $237.0M · Tier avg: $139.2M
88
88th pctile
Loan-to-Deposit Ratio
Current: 97.61% · Tier avg: 74.53%