BlastPoint's Banking Scorecard
State Bank of Table Rock
Micro
Specialty: Agricultural
NE
FDIC cert 9822
Designations: ✓ Community bank
Table Rock, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
State Bank of Table Rock 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 37.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.8M
-0.1% YoY
+0.4% QoQ
|
-$74.6M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$126.3M
+4.2% YoY
-2.4% QoQ
|
-$12.9M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$112.8M
-0.1% YoY
+1.0% QoQ
|
-$70.9M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.25%
+5.3% YoY
-9.2% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.39%
+3.5% YoY
+1.2% QoQ
|
+0.54% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
67.11%
-1.7% YoY
+6.6% QoQ
|
-0.62% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.00%
-98.8% YoY
-98.5% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
111.99%
+4.2% YoY
-3.4% QoQ
|
+37.46% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.68%
-8.5% YoY
-2.2% QoQ
|
-6.71% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-98.8% YoY
-98.6% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
83% |
| 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 ? |
0.14%
-18.9% YoY
+36.5% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
111.99%
(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
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
75
75th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.85%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
52
52th pctile
Total Loans
Current: $126.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Efficiency Ratio
Current: 67.11% · Tier avg: 67.73%
35
35th pctile
Total Assets
Current: $142.8M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.68% · Tier avg: 22.39%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.99% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 111.99% · Tier avg: 74.53%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.68% · Tier avg: 22.39%
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $142.8M · Tier avg: $217.5M
47
47th pctile
Efficiency Ratio
Current: 67.11% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $126.3M · Tier avg: $139.2M
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
75
75th pctile
Net Interest Margin
Current: 4.39% · Tier avg: 3.85%
82
82th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%