BlastPoint's Banking Scorecard
First State Bank and Trust
Micro
Specialty: Commercial
KS
FDIC cert 14974
Designations: ✓ Community bank
Tonganoxie, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
First State Bank and Trust demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.41% above 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 ? |
$480.9M
+2.0% YoY
+0.9% QoQ
|
+$263.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$340.0M
+1.0% YoY
-0.7% QoQ
|
+$200.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$421.3M
+3.7% YoY
+0.3% QoQ
|
+$237.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
0.91%
+23.6% YoY
+7.1% QoQ
|
-0.17% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.30%
+12.7% YoY
+1.7% QoQ
|
+0.45% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
71.60%
-3.5% YoY
-0.7% QoQ
|
+3.88% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
1.25%
+211.5% YoY
-4.5% QoQ
|
+0.61% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
80.70%
-2.6% YoY
-1.1% QoQ
|
+6.17% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
26.04%
+2.1% YoY
+3.6% QoQ
|
+3.65% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.89%
+77.4% YoY
-6.1% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.31%
+7.3% YoY
+0.9% QoQ
|
+2.46% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.97%
-0.7% YoY
+38.6% QoQ
|
+0.41% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
0.97%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Total Deposits
Current: $421.3M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $480.9M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $340.0M · Tier avg: $139.2M
92
92th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.56%
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.04% · Tier avg: 22.39%
59
59th pctile
Loan-to-Deposit Ratio
Current: 80.70% · Tier avg: 74.53%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.31% · Tier avg: 8.85%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
36
36th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 67.73%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
Top Weaknesses
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.25% · Tier avg: 0.64%
36
36th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 67.73%
40
40th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.08%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.31% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 80.70% · Tier avg: 74.53%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.04% · Tier avg: 22.39%
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
92
92th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.56%
97
97th pctile
Total Loans
Current: $340.0M · Tier avg: $139.2M
98
98th pctile
Total Assets
Current: $480.9M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $421.3M · Tier avg: $183.7M