BlastPoint's Banking Scorecard
Nebraskaland Bank
Community
Specialty: Commercial
NE
FDIC cert 34811
North Platte, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Nebraskaland Bank faces 6 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 33% in Community
- - Capital Thin: Bottom 33% in Community
- - Credit Risk Growth: Bottom 48% in Community
- - Return on Assets 0.78% below tier
- - Net Interest Margin 1.01% below tier
- - Non-Interest Income / Assets 0.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$986.4M
+3.0% YoY
+1.0% QoQ
|
-$405.1M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$702.7M
+7.1% YoY
+1.0% QoQ
|
-$272.8M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$751.8M
+4.5% YoY
+0.4% QoQ
|
-$412.8M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.39%
+19.9% YoY
+19.2% QoQ
|
-0.78% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.65%
+13.5% YoY
+2.4% QoQ
|
-1.01% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
76.07%
-7.7% YoY
-3.3% QoQ
|
+13.44% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.30%
-1.7% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
93.47%
+2.5% YoY
+0.6% QoQ
|
+10.40% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
16.66%
+16.9% YoY
+9.3% QoQ
|
-4.39% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.22%
-1.7% QoQ
|
-0.28% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.17%
+3.7% YoY
+25.0% QoQ
|
-0.57% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Liquidity Strain
risk
#172 of 513 · Bottom 33% 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:
93.47%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#145 of 432 · Bottom 33% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#307 of 642 · Bottom 48% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.39%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.65%
(Tier avg: 3.66%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.17%
(Tier avg: 0.74%, 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
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
49
49th pctile
Total Loans
Current: $702.7M · Tier avg: $975.5M
49
49th pctile
Total Assets
Current: $986.4M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $751.8M · Tier avg: $1.2B
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.66% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.47% · Tier avg: 83.06%
15
15th pctile
Efficiency Ratio
Current: 76.07% · Tier avg: 62.63%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.66%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
Top Weaknesses
8
8th pctile
Return on Assets
Current: 0.39% · Tier avg: 1.16%
8
8th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.74%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.66%
15
15th pctile
Efficiency Ratio
Current: 76.07% · Tier avg: 62.63%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.47% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.66% · Tier avg: 21.05%
43
43th pctile
Total Deposits
Current: $751.8M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $986.4M · Tier avg: $1.4B
49
49th pctile
Total Loans
Current: $702.7M · Tier avg: $975.5M
61
61th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.63%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.50%