BlastPoint's Banking Scorecard
Adams State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 9812
Designations: ✓ Community bank
Adams, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Adams State Bank faces 1 concern 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 26.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.6M
-2.0% YoY
-2.5% QoQ
|
-$147.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$51.0M
+3.6% YoY
+1.0% QoQ
|
-$88.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$50.7M
-2.9% YoY
-3.5% QoQ
|
-$133.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.02%
+263.7% YoY
+12.7% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.52%
+33.6% YoY
+3.4% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
66.03%
-7.0% YoY
-1.6% QoQ
|
-1.70% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.04%
-71.3% YoY
-68.6% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
100.60%
+6.7% YoY
+4.7% QoQ
|
+26.07% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.67%
-5.4% YoY
+6.0% QoQ
|
+3.28% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.03%
-69.7% YoY
-67.5% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
77% |
| 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 ? |
0.23%
+13.3% YoY
+30.1% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.60%
(Tier avg: 74.53%, National avg: 78.04%)
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
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.67% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Efficiency Ratio
Current: 66.03% · Tier avg: 67.73%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
20
20th pctile
Total Loans
Current: $51.0M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $69.6M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $50.7M · Tier avg: $183.7M
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.60% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.60% · Tier avg: 74.53%
11
11th pctile
Total Deposits
Current: $50.7M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $69.6M · Tier avg: $217.5M
20
20th pctile
Total Loans
Current: $51.0M · Tier avg: $139.2M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
47
47th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
50
50th pctile
Efficiency Ratio
Current: 66.03% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.67% · Tier avg: 22.39%
77
77th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%