BlastPoint's Banking Scorecard
The Kansas State Bank
Micro
Specialty: Other
KS
FDIC cert 10505
Designations: ✓ Community bank
Ottawa, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Kansas 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 33.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.7M
+5.1% YoY
+15.5% QoQ
|
-$5.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$78.6M
+3.7% YoY
+1.3% QoQ
|
-$60.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$192.0M
+4.1% YoY
+17.6% QoQ
|
+$8.4M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
1.22%
-20.1% YoY
-8.1% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.10%
+19.2% YoY
-0.2% QoQ
|
-0.75% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
62.95%
-15.3% YoY
-0.8% QoQ
|
-4.78% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.70%
+2.4% YoY
-5.9% QoQ
|
+0.06% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
40.92%
-0.4% YoY
-13.9% QoQ
|
-33.61% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.65%
+4.2% YoY
-15.5% QoQ
|
-4.74% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.26%
+1.0% YoY
-17.4% QoQ
|
-0.19% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.37%
-6.1% YoY
+15.6% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
40.92%
(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
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 62.95% · Tier avg: 67.73%
57
57th pctile
Total Deposits
Current: $192.0M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $211.7M · Tier avg: $217.5M
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
33
33th pctile
Total Loans
Current: $78.6M · Tier avg: $139.2M
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.65% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
7
7th pctile
Loan-to-Deposit Ratio
Current: 40.92% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 40.92% · Tier avg: 74.53%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.65% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.6M · Tier avg: $139.2M
37
37th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.26% · Tier avg: 0.45%
54
54th pctile
Total Assets
Current: $211.7M · Tier avg: $217.5M
57
57th pctile
Total Deposits
Current: $192.0M · Tier avg: $183.7M
58
58th pctile
Efficiency Ratio
Current: 62.95% · Tier avg: 67.73%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%