BlastPoint's Banking Scorecard
Core Bank
Community
Specialty: Commercial
NE
FDIC cert 34363
Omaha, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Core Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4% in Community
- - Flatlined Growth: Bottom 7% in Community
- - Efficiency Drag: Bottom 74% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-1.1% YoY
-0.9% QoQ
|
-$306.5M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$885.0M
-6.4% YoY
-2.0% QoQ
|
-$90.5M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$902.5M
-0.1% YoY
+2.3% QoQ
|
-$262.1M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.57%
+215.9% YoY
+28.5% QoQ
|
-0.60% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.78%
+20.4% YoY
+2.8% QoQ
|
-0.88% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
83.34%
-9.9% YoY
-3.4% QoQ
|
+20.71% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.21%
-25.0% YoY
+10.9% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
98.05%
-6.3% YoY
-4.2% QoQ
|
+14.99% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
13.05%
-9.7% YoY
+3.8% QoQ
|
-8.00% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.17%
-29.0% YoY
+9.7% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.59%
+11.1% YoY
+4.2% QoQ
|
+1.34% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.79%
+13.2% YoY
+46.4% QoQ
|
+0.05% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#20 of 513 · Bottom 4% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.05%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#18 of 245 · Bottom 7% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.57%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#113 of 152 · Bottom 74% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
83.34%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
83
83th pctile
Loan-to-Deposit Ratio
Current: 98.05% · Tier avg: 83.06%
77
77th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
63
63th pctile
Total Loans
Current: $885.0M · Tier avg: $975.5M
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $902.5M · Tier avg: $1.2B
43
43th pctile
Tier 1 Capital Ratio
Current: 11.59% · Tier avg: 10.24%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.05% · Tier avg: 21.05%
13
13th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
11
11th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.66%
7
7th pctile
Efficiency Ratio
Current: 83.34% · Tier avg: 62.63%
Top Weaknesses
7
7th pctile
Efficiency Ratio
Current: 83.34% · Tier avg: 62.63%
11
11th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.66%
13
13th pctile
Return on Assets
Current: 0.57% · Tier avg: 1.16%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.05% · Tier avg: 21.05%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.59% · Tier avg: 10.24%
54
54th pctile
Total Deposits
Current: $902.5M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
63
63th pctile
Total Loans
Current: $885.0M · Tier avg: $975.5M
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.63%
77
77th pctile
Non-Interest Income / Assets
Current: 0.79% · Tier avg: 0.74%
83
83th pctile
Loan-to-Deposit Ratio
Current: 98.05% · Tier avg: 83.06%