BlastPoint's Banking Scorecard
Prescott State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 13729
Designations: ✓ Community bank
Prescott, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Prescott State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$16.7M
+1.1% YoY
-2.0% QoQ
|
-$200.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$8.6M
+9.6% YoY
+12.7% QoQ
|
-$130.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$13.7M
+1.3% YoY
-2.4% QoQ
|
-$170.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.37%
+12.6% YoY
+23.7% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
3.20%
-0.9% YoY
+3.9% QoQ
|
-0.65% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
85.77%
-1.9% YoY
-2.6% QoQ
|
+18.04% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
62.71%
+8.2% YoY
+15.4% QoQ
|
-11.82% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
16.20%
-2.2% YoY
+6.7% QoQ
|
-6.19% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 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 ? |
0.19%
+5.5% YoY
+36.0% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.71% · Tier avg: 74.53%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.20% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.77% · Tier avg: 67.73%
3
3th pctile
Total Loans
Current: $8.6M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $13.7M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $16.7M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $16.7M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $13.7M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $8.6M · Tier avg: $139.2M
13
13th pctile
Efficiency Ratio
Current: 85.77% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
22
22th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.85%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 16.20% · Tier avg: 22.39%
28
28th pctile
Loan-to-Deposit Ratio
Current: 62.71% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%