BlastPoint's Banking Scorecard
Genoa Community Bank
Micro
Specialty: Agricultural
NE
FDIC cert 5408
Designations: ✓ Community bank
Genoa, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Genoa Community Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.6M
-0.1% YoY
+3.9% QoQ
|
-$146.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$51.7M
+4.9% YoY
+8.2% QoQ
|
-$87.4M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$57.8M
+12.9% YoY
-1.0% QoQ
|
-$125.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.35%
+13.4% YoY
+2.1% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.26%
+7.5% YoY
+1.0% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
66.72%
-4.0% YoY
-0.3% QoQ
|
-1.00% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? | 0.00% | -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 ? |
89.49%
-7.1% YoY
+9.3% QoQ
|
+14.96% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
13.68%
+8.5% YoY
+14.5% QoQ
|
-8.71% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
15.11%
-0.3% YoY
-7.4% QoQ
|
+6.26% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.31%
+4.0% YoY
+21.4% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.49% · Tier avg: 74.53%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 8.85%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
49
49th pctile
Efficiency Ratio
Current: 66.72% · Tier avg: 67.73%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
21
21th pctile
Total Loans
Current: $51.7M · Tier avg: $139.2M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.68% · Tier avg: 22.39%
13
13th pctile
Total Deposits
Current: $57.8M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.6M · Tier avg: $217.5M
Top Weaknesses
13
13th pctile
Total Assets
Current: $70.6M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $57.8M · Tier avg: $183.7M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.68% · Tier avg: 22.39%
21
21th pctile
Total Loans
Current: $51.7M · Tier avg: $139.2M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
49
49th pctile
Efficiency Ratio
Current: 66.72% · Tier avg: 67.73%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 8.85%
76
76th pctile
Loan-to-Deposit Ratio
Current: 89.49% · 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%