BlastPoint's Banking Scorecard
The Peoples Bank
Community
Specialty: Agricultural
KS
FDIC cert 1147
Pratt, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The Peoples Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 42% in Community
- + Loan-to-Deposit Ratio 31.75% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$556.0M
+6.2% YoY
+2.3% QoQ
|
-$835.4M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$265.0M
-0.6% YoY
+3.2% QoQ
|
-$710.4M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$516.5M
+12.7% YoY
+2.7% QoQ
|
-$648.1M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
1.63%
-14.0% YoY
+8.9% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.47%
-3.1% YoY
+0.4% QoQ
|
-0.19% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
56.89%
-0.5% YoY
-6.1% QoQ
|
-5.74% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.80%
-58.5% YoY
+22.0% QoQ
|
+0.17% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
51.31%
-11.9% YoY
+0.5% QoQ
|
-31.75% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.47%
+4.8% YoY
+3.4% QoQ
|
+12.42% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
1.19%
+21.0% YoY
+2.9% QoQ
|
+0.69% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
14.45%
-1.1% YoY
-4.0% QoQ
|
+4.20% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
1.10%
-0.9% YoY
+32.1% QoQ
|
+0.36% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#155 of 371 · Top 42% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.10%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.63%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 4%
in Community
Why this stands out
Current:
51.31%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Margin Compression
decline
#55 of 120 · Bottom 45% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.63%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.31% · Tier avg: 83.06%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.47% · Tier avg: 21.05%
88
88th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.74%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
68
68th pctile
Efficiency Ratio
Current: 56.89% · Tier avg: 62.63%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.50%
15
15th pctile
Total Deposits
Current: $516.5M · Tier avg: $1.2B
8
8th pctile
Total Assets
Current: $556.0M · Tier avg: $1.4B
3
3th pctile
Total Loans
Current: $265.0M · Tier avg: $975.5M
Top Weaknesses
3
3th pctile
Total Loans
Current: $265.0M · Tier avg: $975.5M
8
8th pctile
Total Assets
Current: $556.0M · Tier avg: $1.4B
15
15th pctile
Total Deposits
Current: $516.5M · Tier avg: $1.2B
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
41
41th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.66%
68
68th pctile
Efficiency Ratio
Current: 56.89% · Tier avg: 62.63%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.45% · Tier avg: 10.24%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.16%
88
88th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.74%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.47% · Tier avg: 21.05%
96
96th pctile
Loan-to-Deposit Ratio
Current: 51.31% · Tier avg: 83.06%