BlastPoint's Banking Scorecard
Sidney Federal Savings and Loan Association
Micro
Specialty: Other
NE
FDIC cert 29379
Designations: ✓ Community bank
Sidney, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Sidney Federal Savings and Loan Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 54.25% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.96% below tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.8M
+244.0% YoY
+5.6% QoQ
|
-$166.7M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$8.7M
+15.2% YoY
+13.6% QoQ
|
-$130.5M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$42.9M
+203.4% YoY
+6.0% QoQ
|
-$140.7M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.47%
+155.2% YoY
+29.0% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.52%
+32.5% YoY
+8.1% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
34% |
| Efficiency Ratio ? |
56.75%
-72.6% YoY
-10.8% QoQ
|
-10.98% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
20.28%
-62.0% YoY
+7.2% QoQ
|
-54.25% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.43%
-67.9% YoY
+6.4% QoQ
|
-18.96% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.04%
-70.9% YoY
+11.4% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% 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 1%
in Micro
Why this stands out
Current:
20.28%
(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 (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.43%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(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%
99
99th pctile
Loan-to-Deposit Ratio
Current: 20.28% · Tier avg: 74.53%
77
77th pctile
Efficiency Ratio
Current: 56.75% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
8
8th pctile
Total Deposits
Current: $42.9M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $50.8M · Tier avg: $217.5M
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.43% · Tier avg: 22.39%
3
3th pctile
Total Loans
Current: $8.7M · Tier avg: $139.2M
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
3
3th pctile
Total Loans
Current: $8.7M · Tier avg: $139.2M
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.43% · Tier avg: 22.39%
7
7th pctile
Total Assets
Current: $50.8M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $42.9M · Tier avg: $183.7M
34
34th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
77
77th pctile
Efficiency Ratio
Current: 56.75% · Tier avg: 67.73%
99
99th pctile
Loan-to-Deposit Ratio
Current: 20.28% · 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%