BlastPoint's Banking Scorecard
Nebraska Bank of Commerce
Micro
Specialty: Commercial
NE
FDIC cert 58724
Designations: ✓ Community bank
Lincoln, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Nebraska Bank of Commerce faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.85% above tier
- - Non-Interest-Bearing Deposit Share 14.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.9M
+16.0% YoY
+2.2% QoQ
|
+$8.4M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$200.0M
+16.5% YoY
+2.6% QoQ
|
+$60.8M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$193.4M
+15.1% YoY
+4.7% QoQ
|
+$9.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.76%
+33.3% YoY
-0.2% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.21%
+18.2% YoY
+2.3% QoQ
|
-0.64% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
64.13%
-11.3% YoY
+1.5% QoQ
|
-3.59% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.19%
+231.9% YoY
+407.4% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
103.38%
+1.2% YoY
-2.0% QoQ
|
+28.85% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.28%
-20.0% YoY
-6.0% QoQ
|
-14.11% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.17%
+233.2% YoY
+409.6% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
11.82%
-6.6% YoY
-2.0% QoQ
|
+2.97% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.14%
-30.9% YoY
+37.8% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.38%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.28%
(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
74
74th pctile
Total Loans
Current: $200.0M · Tier avg: $139.2M
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.82% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $193.4M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $225.9M · Tier avg: $217.5M
55
55th pctile
Efficiency Ratio
Current: 64.13% · Tier avg: 67.73%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
23
23th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.28% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.38% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.38% · Tier avg: 74.53%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.28% · Tier avg: 22.39%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
23
23th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
55
55th pctile
Efficiency Ratio
Current: 64.13% · Tier avg: 67.73%
57
57th pctile
Total Assets
Current: $225.9M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $193.4M · Tier avg: $183.7M
58
58th pctile
Tier 1 Capital Ratio
Current: 11.82% · Tier avg: 8.85%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
74
74th pctile
Total Loans
Current: $200.0M · Tier avg: $139.2M