BlastPoint's Banking Scorecard
The Dickinson County Bank
Micro
Specialty: Other
KS
FDIC cert 12425
Designations: ✓ Community bank
Enterprise, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Dickinson County Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.74% above tier
- - Nonperforming Asset Ratio 4.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.9M
+5.1% YoY
-0.7% QoQ
|
-$196.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$13.5M
+3.7% YoY
+6.2% QoQ
|
-$125.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$17.0M
+5.4% YoY
-1.1% QoQ
|
-$166.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
1.79%
+5.2% YoY
-9.0% QoQ
|
+0.71% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.45%
+2.0% YoY
+3.5% QoQ
|
+0.60% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
58.28%
-1.0% YoY
+8.8% QoQ
|
-9.45% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
7.38%
+315.0% QoQ
|
+6.74% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.63%
-1.6% YoY
+7.4% QoQ
|
+5.10% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
14.40%
-5.4% YoY
-16.4% QoQ
|
-7.99% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
4.78%
+343.8% QoQ
|
+4.33% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.16%
-41.8% YoY
+27.9% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.38%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.78%
(Tier avg: 0.45%, National avg: 0.48%)
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
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
78
78th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.85%
72
72th pctile
Efficiency Ratio
Current: 58.28% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.63% · Tier avg: 74.53%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.40% · Tier avg: 22.39%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
4
4th pctile
Total Loans
Current: $13.5M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $17.0M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $20.9M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 7.38% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.78% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.78% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.38% · Tier avg: 0.64%
1
1th pctile
Total Assets
Current: $20.9M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $17.0M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $13.5M · Tier avg: $139.2M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.40% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.63% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Efficiency Ratio
Current: 58.28% · Tier avg: 67.73%
78
78th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.85%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%