BlastPoint's Banking Scorecard
First Bank
Micro
Specialty: Agricultural
KS
FDIC cert 16473
Designations: ✓ Community bank
Sterling, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
First Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.11% above tier
- - Nonperforming Asset Ratio 3.71% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.0M
+0.3% YoY
-3.5% QoQ
|
-$65.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$99.8M
+11.2% YoY
+8.1% QoQ
|
-$39.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$113.7M
+3.5% YoY
-6.0% QoQ
|
-$69.9M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.71%
-4.2% YoY
-34.5% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
4.05%
+10.1% YoY
-0.0% QoQ
|
+0.20% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
64.04%
-15.9% YoY
-0.2% QoQ
|
-3.69% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? | 5.75% | +5.11% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
87.76%
+7.4% YoY
+14.9% QoQ
|
+13.23% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
27.36%
+7.2% YoY
+5.4% QoQ
|
+4.96% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
4.16%
+682.4% YoY
+694.2% QoQ
|
+3.71% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 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 ? |
0.45%
-6.8% YoY
+40.0% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.75%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.16%
(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
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.76% · Tier avg: 74.53%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.36% · Tier avg: 22.39%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
55
55th pctile
Efficiency Ratio
Current: 64.04% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Loans
Current: $99.8M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $152.0M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $113.7M · Tier avg: $183.7M
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 5.75% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.16% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.16% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.75% · Tier avg: 0.64%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
34
34th pctile
Total Deposits
Current: $113.7M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $152.0M · Tier avg: $217.5M
43
43th pctile
Total Loans
Current: $99.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Efficiency Ratio
Current: 64.04% · Tier avg: 67.73%
61
61th pctile
Net Interest Margin
Current: 4.05% · Tier avg: 3.85%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.36% · Tier avg: 22.39%
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.76% · Tier avg: 74.53%