BlastPoint's Banking Scorecard
The First State Bank of Ransom
Micro
Specialty: Agricultural
KS
FDIC cert 15469
Designations: ✓ Community bank
Ransom, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First State Bank of Ransom has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 25.94% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.0M
+3.0% YoY
-1.8% QoQ
|
-$169.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$20.2M
+15.4% YoY
-0.2% QoQ
|
-$119.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$39.0M
+1.4% YoY
-2.4% QoQ
|
-$144.6M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.65%
+13.0% YoY
-8.6% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.66%
+14.3% YoY
+0.3% QoQ
|
-1.19% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
71.65%
-3.3% YoY
+7.7% QoQ
|
+3.93% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.42%
+22.8% YoY
-2.1% QoQ
|
-0.22% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
51.83%
+13.8% YoY
+2.2% QoQ
|
-22.70% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.75%
+9.7% YoY
+12.4% QoQ
|
-0.65% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.18%
+37.5% YoY
-0.5% QoQ
|
-0.28% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
34.80%
-6.8% YoY
+1.6% QoQ
|
+25.94% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.30%
-0.9% YoY
+36.8% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
34.80%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.66%
(Tier avg: 3.85%, National avg: 3.75%)
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
Tier 1 Capital Ratio
Current: 34.80% · Tier avg: 8.85%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.75% · Tier avg: 22.39%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
36
36th pctile
Efficiency Ratio
Current: 71.65% · Tier avg: 67.73%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
15
15th pctile
Loan-to-Deposit Ratio
Current: 51.83% · Tier avg: 74.53%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
7
7th pctile
Total Deposits
Current: $39.0M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $20.2M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $48.0M · Tier avg: $217.5M
Top Weaknesses
7
7th pctile
Total Assets
Current: $48.0M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $20.2M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $39.0M · Tier avg: $183.7M
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
15
15th pctile
Loan-to-Deposit Ratio
Current: 51.83% · Tier avg: 74.53%
25
25th pctile
Return on Assets
Current: 0.65% · Tier avg: 1.08%
36
36th pctile
Efficiency Ratio
Current: 71.65% · Tier avg: 67.73%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
49
49th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.64%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.75% · Tier avg: 22.39%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
98
98th pctile
Tier 1 Capital Ratio
Current: 34.80% · Tier avg: 8.85%