BlastPoint's Banking Scorecard
Nebraska State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 9819
Designations: ✓ Community bank
Oshkosh, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Nebraska State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.86% above tier
- + Efficiency Ratio 32.20% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest Income / Assets 1.15% above 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 ? |
$71.4M
+2.0% YoY
+5.2% QoQ
|
-$146.1M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$52.0M
-7.7% YoY
-6.3% QoQ
|
-$87.2M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$57.7M
+1.5% YoY
+5.3% QoQ
|
-$126.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
3.95%
-13.5% YoY
+0.9% QoQ
|
+2.86% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.96%
-9.2% YoY
+0.7% QoQ
|
+1.11% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
35.53%
+9.5% YoY
-0.4% QoQ
|
-32.20% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
90.03%
-9.0% YoY
-11.0% QoQ
|
+15.50% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
26.98%
+16.8% YoY
+34.5% QoQ
|
+4.58% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.40%
-32.3% QoQ
|
+0.95% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Bottom 13% 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 ? |
1.71%
+9.1% YoY
+23.8% QoQ
|
+1.15% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.95%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
35.53%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.71%
(Tier avg: 0.56%, National avg: 0.65%)
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%
99
99th pctile
Return on Assets
Current: 3.95% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 35.53% · Tier avg: 67.73%
96
96th pctile
Non-Interest Income / Assets
Current: 1.71% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.96% · Tier avg: 3.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.98% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.03% · Tier avg: 74.53%
21
21th pctile
Total Loans
Current: $52.0M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $71.4M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $57.7M · Tier avg: $183.7M
13
13th pctile
Nonperforming Asset Ratio
Current: 1.40% · Tier avg: 0.45%
Top Weaknesses
13
13th pctile
Nonperforming Asset Ratio
Current: 1.40% · Tier avg: 0.45%
13
13th pctile
Total Deposits
Current: $57.7M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $71.4M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $52.0M · Tier avg: $139.2M
23
23th pctile
Loan-to-Deposit Ratio
Current: 90.03% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.98% · Tier avg: 22.39%
90
90th pctile
Net Interest Margin
Current: 4.96% · Tier avg: 3.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.71% · Tier avg: 0.56%
99
99th pctile
Efficiency Ratio
Current: 35.53% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.95% · Tier avg: 1.08%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%