BlastPoint's Banking Scorecard
The Riley State Bank of Riley, Kansas
Micro
Specialty: Agricultural
KS
FDIC cert 16120
Designations: ✓ Community bank
Riley, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Riley State Bank of Riley, Kansas shows strong momentum with 2 strengths and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + 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 ? |
$123.4M
+6.3% YoY
+1.2% QoQ
|
-$94.1M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$82.9M
+5.2% YoY
+9.5% QoQ
|
-$56.2M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$107.1M
+7.8% YoY
+3.4% QoQ
|
-$76.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.25%
+21.5% YoY
-13.9% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
3.72%
+9.1% YoY
+0.2% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
63.07%
-7.7% YoY
+5.5% QoQ
|
-4.66% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| 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 ? |
77.43%
-2.3% YoY
+5.9% QoQ
|
+2.91% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
20.08%
+9.8% YoY
+7.4% QoQ
|
-2.32% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
42% |
| 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 ? |
0.28%
+4.0% YoY
+21.2% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
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%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 63.07% · Tier avg: 67.73%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.43% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 22.39%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
31
31th pctile
Total Deposits
Current: $107.1M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $123.4M · Tier avg: $217.5M
Top Weaknesses
30
30th pctile
Total Assets
Current: $123.4M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.1M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $82.9M · Tier avg: $139.2M
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 22.39%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.43% · Tier avg: 74.53%
58
58th pctile
Efficiency Ratio
Current: 63.07% · Tier avg: 67.73%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
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%