BlastPoint's Banking Scorecard
Fusion Bank
Micro
Specialty: Commercial
KS
FDIC cert 15899
Designations: ✓ Community bank
Larned, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Fusion Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.84% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$246.6M
-6.6% YoY
+13.1% QoQ
|
+$29.1M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$126.6M
+9.3% YoY
+4.8% QoQ
|
-$12.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$185.5M
-15.7% YoY
+18.4% QoQ
|
+$1.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.88%
-3.4% YoY
-0.7% QoQ
|
+0.80% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.78%
+1.9% YoY
-0.4% QoQ
|
-0.07% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
47.88%
-1.1% YoY
+0.3% QoQ
|
-19.84% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
68.25%
+29.7% YoY
-11.4% QoQ
|
-6.27% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
25.03%
+21.1% YoY
-3.9% QoQ
|
+2.64% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
0.21%
+12.0% YoY
+15.0% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
47.88%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Efficiency Ratio
Current: 47.88% · Tier avg: 67.73%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.03% · Tier avg: 22.39%
62
62th pctile
Total Assets
Current: $246.6M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $185.5M · Tier avg: $183.7M
52
52th pctile
Total Loans
Current: $126.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.25% · Tier avg: 74.53%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
Top Weaknesses
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.25% · Tier avg: 74.53%
49
49th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Loans
Current: $126.6M · Tier avg: $139.2M
56
56th pctile
Total Deposits
Current: $185.5M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $246.6M · Tier avg: $217.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.03% · Tier avg: 22.39%
88
88th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 47.88% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%