BlastPoint's Banking Scorecard
United Republic Bank
Micro
Specialty: Commercial
NE
FDIC cert 58359
Designations: ✓ Community bank
Elkhorn, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
United Republic 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
- - Return on Assets 2.46% below tier
- - Net Interest Margin 1.16% below tier
- - Efficiency Ratio 49.29% above tier
- - Delinquency Rate 1.88% above tier
- - Non-Interest-Bearing Deposit Share 13.56% below tier
- - Nonperforming Asset Ratio 5.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.2M
-5.8% YoY
-2.1% QoQ
|
-$20.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$146.3M
-7.0% YoY
-1.2% QoQ
|
+$7.1M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$156.2M
-5.9% YoY
-3.0% QoQ
|
-$27.4M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
-1.38%
-382.2% YoY
-30.4% QoQ
|
-2.46% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.69%
-9.9% YoY
+2.0% QoQ
|
-1.16% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
117.02%
+66.8% YoY
+5.2% QoQ
|
+49.29% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
2.52%
-42.6% YoY
-54.4% QoQ
|
+1.88% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
93.64%
-1.2% YoY
+1.9% QoQ
|
+19.12% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
8.84%
+33.3% YoY
+3.1% QoQ
|
-13.56% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
5.73%
+6.4% YoY
-20.0% QoQ
|
+5.27% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
-0.17%
-184.3% YoY
-159.9% QoQ
|
-0.73% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.38%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.69%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
117.02%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.84%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.73%
(Tier avg: 0.45%, National avg: 0.48%)
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
59
59th pctile
Total Loans
Current: $146.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $197.2M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $156.2M · Tier avg: $183.7M
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.64% · Tier avg: 74.53%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.84% · Tier avg: 22.39%
9
9th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.64%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
2
2th pctile
Efficiency Ratio
Current: 117.02% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.38% · Tier avg: 1.08%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.73% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.73% · Tier avg: 0.45%
2
2th pctile
Return on Assets
Current: -1.38% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 117.02% · Tier avg: 67.73%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
9
9th pctile
Delinquency Rate
Current: 2.52% · Tier avg: 0.64%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.84% · Tier avg: 22.39%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.64% · Tier avg: 74.53%
47
47th pctile
Total Deposits
Current: $156.2M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $197.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Total Loans
Current: $146.3M · Tier avg: $139.2M