BlastPoint's Banking Scorecard
Tecumseh Federal Bank
Micro
Specialty: Agricultural
NE
FDIC cert 30395
Designations: ✓ Community bank ✓ Mutual
Tecumseh, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Tecumseh Federal Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.53% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 0.93% below tier
- - Net Interest Margin 1.56% below tier
- - Efficiency Ratio 32.86% above tier
- - Non-Interest-Bearing Deposit Share 15.35% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.4M
+1.1% YoY
+0.4% QoQ
|
-$164.1M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$25.9M
-5.0% YoY
+2.0% QoQ
|
-$113.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$36.7M
+0.5% YoY
+2.0% QoQ
|
-$147.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.16%
+205.5% YoY
-26.8% QoQ
|
-0.93% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
2.30%
+3.6% YoY
+3.0% QoQ
|
-1.56% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
100.59%
-7.2% YoY
-1.5% QoQ
|
+32.86% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.69%
+82.9% YoY
+31.0% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
70.64%
-5.5% YoY
-0.1% QoQ
|
-3.89% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
7.04%
+1.7% YoY
+51.6% QoQ
|
-15.35% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.33%
+71.8% YoY
+33.0% QoQ
|
-0.12% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
47% |
| 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 ? |
1.09%
+6.1% YoY
+38.4% QoQ
|
+0.53% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.09%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (4)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
100.59%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
7.04%
(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
93
93th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.64% · Tier avg: 74.53%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
9
9th pctile
Total Loans
Current: $25.9M · Tier avg: $139.2M
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
8
8th pctile
Total Assets
Current: $53.4M · Tier avg: $217.5M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.04% · Tier avg: 22.39%
6
6th pctile
Total Deposits
Current: $36.7M · Tier avg: $183.7M
5
5th pctile
Efficiency Ratio
Current: 100.59% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.30% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 100.59% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $36.7M · Tier avg: $183.7M
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 7.04% · Tier avg: 22.39%
8
8th pctile
Total Assets
Current: $53.4M · Tier avg: $217.5M
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
9
9th pctile
Total Loans
Current: $25.9M · Tier avg: $139.2M
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.64% · Tier avg: 74.53%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.09% · Tier avg: 0.56%