BlastPoint's Banking Scorecard
FNB Bank
Micro
Specialty: Agricultural
KS
FDIC cert 14420
Designations: ✓ Community bank
Goodland, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
FNB 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 3.06% above tier
- - Nonperforming Asset Ratio 2.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$273.8M
+5.8% YoY
+5.7% QoQ
|
+$56.3M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$188.1M
+8.1% YoY
+2.0% QoQ
|
+$48.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
71% |
| Total Deposits ? |
$237.5M
+4.4% YoY
+10.0% QoQ
|
+$53.9M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.09%
+7.7% YoY
+3.4% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.48%
+7.3% YoY
+0.6% QoQ
|
+0.63% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
72.31%
-3.6% YoY
-2.2% QoQ
|
+4.58% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
3.70%
+27.5% YoY
-3.0% QoQ
|
+3.06% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.19%
+3.6% YoY
-7.2% QoQ
|
+4.67% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
22.71%
-5.9% YoY
-1.1% QoQ
|
+0.32% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
2.55%
+30.8% YoY
-6.1% QoQ
|
+2.10% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.94%
-6.7% YoY
-7.9% QoQ
|
+4.08% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.33%
-12.2% YoY
+35.8% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.70%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.55%
(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
78
78th pctile
Net Interest Margin
Current: 4.48% · Tier avg: 3.85%
71
71th pctile
Total Loans
Current: $188.1M · Tier avg: $139.2M
68
68th pctile
Total Deposits
Current: $237.5M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $273.8M · Tier avg: $217.5M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.94% · Tier avg: 8.85%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.71% · Tier avg: 22.39%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.19% · Tier avg: 74.53%
34
34th pctile
Efficiency Ratio
Current: 72.31% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.70% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.55% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.55% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.70% · Tier avg: 0.64%
34
34th pctile
Efficiency Ratio
Current: 72.31% · Tier avg: 67.73%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.19% · Tier avg: 74.53%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.71% · Tier avg: 22.39%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.94% · Tier avg: 8.85%
67
67th pctile
Total Assets
Current: $273.8M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $237.5M · Tier avg: $183.7M
71
71th pctile
Total Loans
Current: $188.1M · Tier avg: $139.2M
78
78th pctile
Net Interest Margin
Current: 4.48% · Tier avg: 3.85%