BlastPoint's Banking Scorecard
The Bennington State Bank
Community
Specialty: Commercial
KS
FDIC cert 16402
Salina, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The Bennington State Bank shows strong momentum with 3 strengths and 6.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19% in Community
- + Credit Quality Leader: Top 22% in Community
- + Efficiency Ratio 20.18% 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 ? |
$1.3B
+6.7% YoY
+6.2% QoQ
|
-$137.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$804.3M
+9.5% YoY
+3.6% QoQ
|
-$171.2M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$1.1B
+5.2% YoY
+8.2% QoQ
|
-$97.0M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
2.27%
+13.5% YoY
-0.2% QoQ
|
+1.10% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.87%
+20.8% YoY
-0.1% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
42.45%
-2.1% YoY
+0.5% QoQ
|
-20.18% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.16%
-20.9% YoY
-46.1% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
75.34%
+4.1% YoY
-4.2% QoQ
|
-7.73% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
18.04%
-8.3% YoY
-6.9% QoQ
|
-3.01% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.10%
-37.5% YoY
-47.4% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
14.79%
-2.1% YoY
-6.2% QoQ
|
+4.55% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.62%
+4.8% YoY
+26.8% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#71 of 371 · Top 19% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.27%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Credit Quality Leader
growth
#84 of 371 · Top 22% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.45%
(Tier avg: 62.63%, National avg: 65.09%)
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
95
95th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.45% · Tier avg: 62.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.79% · Tier avg: 10.24%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
58
58th pctile
Total Loans
Current: $804.3M · Tier avg: $975.5M
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.04% · Tier avg: 21.05%
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.34% · Tier avg: 83.06%
Top Weaknesses
29
29th pctile
Loan-to-Deposit Ratio
Current: 75.34% · Tier avg: 83.06%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.04% · Tier avg: 21.05%
58
58th pctile
Total Loans
Current: $804.3M · Tier avg: $975.5M
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.79% · Tier avg: 10.24%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
94
94th pctile
Efficiency Ratio
Current: 42.45% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.27% · Tier avg: 1.16%