BlastPoint's Banking Scorecard
The Baxter State Bank
Micro
Specialty: Other
KS
FDIC cert 12432
Designations: ✓ Community bank
Baxter Springs, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Baxter State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% above tier
- + Non-Interest-Bearing Deposit Share 23.61% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.19% below tier
- - Efficiency Ratio 51.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$24.0M
-4.7% YoY
-3.9% QoQ
|
-$193.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$12.8M
-2.4% YoY
-1.3% QoQ
|
-$126.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$18.1M
+4.7% YoY
+0.3% QoQ
|
-$165.6M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
-1.11%
-355.7% YoY
-281.5% QoQ
|
-2.19% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
5.59%
+13.4% YoY
+2.2% QoQ
|
+1.73% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
119.08%
+34.0% YoY
+35.8% QoQ
|
+51.35% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.91%
-20.6% YoY
-46.0% QoQ
|
+1.27% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
70.78%
-6.8% YoY
-1.7% QoQ
|
-3.75% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
46.01%
-8.7% YoY
+7.4% QoQ
|
+23.61% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
1.22%
-6.6% YoY
-35.6% QoQ
|
+0.77% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
15% |
| 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 ? |
0.69%
+31.2% YoY
+84.7% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.59%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
46.01%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-1.11%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
119.08%
(Tier avg: 67.73%, National avg: 65.09%)
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
Non-Interest-Bearing Deposit Share
Current: 46.01% · Tier avg: 22.39%
96
96th pctile
Net Interest Margin
Current: 5.59% · Tier avg: 3.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.78% · Tier avg: 74.53%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
4
4th pctile
Total Loans
Current: $12.8M · Tier avg: $139.2M
3
3th pctile
Return on Assets
Current: -1.11% · Tier avg: 1.08%
2
2th pctile
Total Deposits
Current: $18.1M · Tier avg: $183.7M
2
2th pctile
Efficiency Ratio
Current: 119.08% · Tier avg: 67.73%
2
2th pctile
Total Assets
Current: $24.0M · Tier avg: $217.5M
Top Weaknesses
2
2th pctile
Total Assets
Current: $24.0M · Tier avg: $217.5M
2
2th pctile
Efficiency Ratio
Current: 119.08% · Tier avg: 67.73%
2
2th pctile
Total Deposits
Current: $18.1M · Tier avg: $183.7M
3
3th pctile
Return on Assets
Current: -1.11% · Tier avg: 1.08%
4
4th pctile
Total Loans
Current: $12.8M · Tier avg: $139.2M
14
14th pctile
Delinquency Rate
Current: 1.91% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.45%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.78% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
96
96th pctile
Net Interest Margin
Current: 5.59% · Tier avg: 3.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 46.01% · Tier avg: 22.39%