BlastPoint's Banking Scorecard
The Fidelity State Bank and Trust Company
Micro
Specialty: Agricultural
KS
FDIC cert 10920
Designations: ✓ Community bank
Dodge City, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Fidelity State Bank and Trust Company has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.15% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 61.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.1M
+6.7% YoY
-4.1% QoQ
|
-$14.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$21.0M
-2.1% YoY
-1.3% QoQ
|
-$118.2M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$156.6M
+5.4% YoY
-5.2% QoQ
|
-$27.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.68%
+5.8% YoY
-10.8% QoQ
|
+0.59% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.67%
+10.0% YoY
-0.5% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
49.58%
-5.7% YoY
+12.9% QoQ
|
-18.15% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.21%
-36.1% YoY
-52.0% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
13.40%
-7.2% YoY
+4.0% QoQ
|
-61.13% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.68%
-9.0% YoY
-12.9% QoQ
|
+12.28% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-41.4% YoY
-50.6% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
144.72%
+13.8% YoY
-1.1% QoQ
|
+135.87% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.61%
+3.7% YoY
+46.9% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.58%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
13.40%
(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
90
90th pctile
Efficiency Ratio
Current: 49.58% · Tier avg: 67.73%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.68% · Tier avg: 22.39%
82
82th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.08%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
52
52th pctile
Total Assets
Current: $203.1M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $156.6M · Tier avg: $183.7M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
7
7th pctile
Total Loans
Current: $21.0M · Tier avg: $139.2M
0
0th pctile
Loan-to-Deposit Ratio
Current: 13.40% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 13.40% · Tier avg: 74.53%
7
7th pctile
Total Loans
Current: $21.0M · Tier avg: $139.2M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
47
47th pctile
Total Deposits
Current: $156.6M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $203.1M · Tier avg: $217.5M
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
82
82th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.08%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.68% · Tier avg: 22.39%
90
90th pctile
Efficiency Ratio
Current: 49.58% · Tier avg: 67.73%