BlastPoint's Banking Scorecard
Commercial Bank
Designations: ✓ Community bank
Parsons, KS
Commercial Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.92% above tier
- + Non-Interest Income / Assets 0.70% above 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 ? |
$377.2M
+4.9% YoY
+4.3% QoQ
|
+$159.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$170.4M
+1.8% YoY
-0.1% QoQ
|
+$31.3M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$343.7M
+3.0% YoY
+3.7% QoQ
|
+$160.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
2.00%
+76.6% YoY
+3.8% QoQ
|
+0.92% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.33%
+11.2% YoY
+0.2% QoQ
|
-0.52% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
64.04%
-13.0% YoY
-0.2% QoQ
|
-3.69% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.83%
-58.2% YoY
-8.3% QoQ
|
+0.19% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
49.59%
-1.1% YoY
-3.7% QoQ
|
-24.93% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.09%
+18.6% YoY
-4.3% QoQ
|
-2.30% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.37%
-59.4% YoY
-12.2% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
18.07%
+4.5% YoY
+6.0% QoQ
|
+9.22% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.26%
+21.3% YoY
+22.4% QoQ
|
+0.70% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metricReturn on Assets is in the top decile of tier peers. Profitability per dollar of assets is materially outpacing similarly-sized banks - the engine of compounding book value.
Non-Interest Income / Assets
metricNon-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Concerns (0)
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%