BlastPoint's Banking Scorecard
The First State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 10503
Designations: ✓ Community bank
Ness City, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 29.93% below tier
- + Nonperforming Asset Ratio 0.45% below 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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.3M
-1.5% YoY
+0.2% QoQ
|
-$133.2M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$33.1M
+7.6% YoY
+6.7% QoQ
|
-$106.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$74.3M
-4.3% YoY
-0.2% QoQ
|
-$109.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.64%
-16.1% YoY
-26.6% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.82%
+7.4% YoY
+0.2% QoQ
|
-1.03% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
76.28%
+5.1% YoY
+12.3% QoQ
|
+8.55% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
44.60%
+12.5% YoY
+6.9% QoQ
|
-29.93% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.21%
+0.1% YoY
+3.4% QoQ
|
-3.18% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
21.90%
-0.3% YoY
-2.5% QoQ
|
+13.05% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.24%
-40.9% YoY
+39.1% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.60%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.60% · Tier avg: 74.53%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.90% · Tier avg: 8.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
26
26th pctile
Efficiency Ratio
Current: 76.28% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
19
19th pctile
Total Deposits
Current: $74.3M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $84.3M · Tier avg: $217.5M
12
12th pctile
Total Loans
Current: $33.1M · Tier avg: $139.2M
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
Top Weaknesses
11
11th pctile
Net Interest Margin
Current: 2.82% · Tier avg: 3.85%
12
12th pctile
Total Loans
Current: $33.1M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $84.3M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.3M · Tier avg: $183.7M
25
25th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.28% · Tier avg: 67.73%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.21% · Tier avg: 22.39%
89
89th pctile
Tier 1 Capital Ratio
Current: 21.90% · Tier avg: 8.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.60% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%