BlastPoint's Banking Scorecard
Johnson State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 15237
Designations: ✓ Community bank
Johnson, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Johnson State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.25% below tier
- - Efficiency Ratio 43.49% above tier
- - Loan-to-Deposit Ratio 31.72% below tier
- - Nonperforming Asset Ratio 1.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.1M
+1.2% YoY
+5.5% QoQ
|
-$123.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$33.5M
+13.7% YoY
-2.4% QoQ
|
-$105.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$78.4M
+0.1% YoY
+7.6% QoQ
|
-$105.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
-0.16%
+67.4% YoY
-134.6% QoQ
|
-1.25% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.11%
+15.3% YoY
-0.4% QoQ
|
-0.74% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
111.21%
+19.4% YoY
+30.5% QoQ
|
+43.49% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.13%
-36.6% YoY
-2.0% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
42.80%
+13.6% YoY
-9.3% QoQ
|
-31.72% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.22%
+2.4% YoY
-7.0% QoQ
|
+4.82% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.85%
-27.9% YoY
-30.3% QoQ
|
+1.40% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% 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 ? |
-0.30%
-204.3% YoY
-237.6% QoQ
|
-0.86% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
111.21%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
42.80%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.85%
(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
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.22% · Tier avg: 22.39%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
21
21th pctile
Total Deposits
Current: $78.4M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $94.1M · Tier avg: $217.5M
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
12
12th pctile
Total Loans
Current: $33.5M · Tier avg: $139.2M
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.80% · Tier avg: 74.53%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
5
5th pctile
Return on Assets
Current: -0.16% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 111.21% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 111.21% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.16% · Tier avg: 1.08%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.85% · Tier avg: 0.45%
8
8th pctile
Loan-to-Deposit Ratio
Current: 42.80% · Tier avg: 74.53%
12
12th pctile
Total Loans
Current: $33.5M · Tier avg: $139.2M
19
19th pctile
Net Interest Margin
Current: 3.11% · Tier avg: 3.85%
21
21th pctile
Total Assets
Current: $94.1M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.22% · Tier avg: 22.39%