BlastPoint's Banking Scorecard
Bison State Bank
Micro
Specialty: Commercial
KS
FDIC cert 14083
Designations: ✓ Community bank
Bison, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Bison State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 3.54% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.6M
+32.8% YoY
+3.8% QoQ
|
-$93.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$97.5M
+49.2% YoY
+6.3% QoQ
|
-$41.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$97.6M
+17.2% YoY
+7.5% QoQ
|
-$86.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.23%
+137.8% YoY
+248.8% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.98%
-7.1% YoY
+0.8% QoQ
|
+0.13% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
85.83%
-5.6% YoY
-1.9% QoQ
|
+18.10% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.71%
-69.4% YoY
-13.0% QoQ
|
+0.07% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
99.93%
+27.3% YoY
-1.1% QoQ
|
+25.40% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.54%
-46.6% YoY
-25.6% QoQ
|
-1.85% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.56%
-65.6% YoY
-10.9% QoQ
|
+0.11% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
4.10%
+437.9% YoY
+55.6% QoQ
|
+3.54% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.10%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
99.93%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 4.10% · Tier avg: 0.56%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.54% · Tier avg: 22.39%
42
42th pctile
Total Loans
Current: $97.5M · Tier avg: $139.2M
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
30
30th pctile
Total Assets
Current: $123.6M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $97.6M · Tier avg: $183.7M
12
12th pctile
Efficiency Ratio
Current: 85.83% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.93% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.93% · Tier avg: 74.53%
10
10th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 85.83% · Tier avg: 67.73%
28
28th pctile
Total Deposits
Current: $97.6M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $123.6M · Tier avg: $217.5M
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
42
42th pctile
Total Loans
Current: $97.5M · Tier avg: $139.2M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.54% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
99
99th pctile
Non-Interest Income / Assets
Current: 4.10% · Tier avg: 0.56%