BlastPoint's Banking Scorecard
CBW Bank
Designations: ✓ Community bank
Weir, KS
CBW Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 73.05% above tier
- + Non-Interest Income / Assets 7.79% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.11% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.8M
-9.8% YoY
+28.1% QoQ
|
-$134.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$7.4M
-35.4% YoY
+9.6% QoQ
|
-$131.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$58.2M
-12.9% YoY
+44.7% QoQ
|
-$125.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
1.23%
-9.7% YoY
+137.8% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
4.56%
-15.0% YoY
-4.4% QoQ
|
+0.71% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
88.83%
+3.6% YoY
-4.5% QoQ
|
+21.11% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? | 1.33% | +0.69% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
12.65%
-25.8% YoY
-24.3% QoQ
|
-61.88% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
95.45%
+4.6% YoY
+2.2% QoQ
|
+73.05% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.12% | -0.33% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
211.40%
+50.6% YoY
+65.7% QoQ
|
+202.55% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
8.36%
+17.7% YoY
+17.4% QoQ
|
+7.79% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metricNon-Interest-Bearing Deposit Share is in the top decile of tier peers. Cheap (no-cost) funding is a larger share of the deposit base than at peers - structural NIM advantage in rising-rate environments.
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 (1)
Efficiency Ratio
metricEfficiency Ratio is in the bottom decile (highest costs) of tier peers. It costs materially more to produce a dollar of revenue than at peers - cost discipline or revenue growth is needed.
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%