BlastPoint's Banking Scorecard
The Peoples State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 16744
Designations: ✓ Community bank
Cherryvale, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Peoples State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.18% above tier
- + Net Interest Margin 2.50% above tier
- + Efficiency Ratio 20.47% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 42.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.8M
+17.2% YoY
+19.7% QoQ
|
-$193.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$20.9M
+16.8% YoY
+17.5% QoQ
|
-$118.3M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$17.9M
+20.4% YoY
+29.1% QoQ
|
-$165.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
3.27%
-5.2% YoY
-4.9% QoQ
|
+2.18% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.35%
-5.0% YoY
-2.5% QoQ
|
+2.50% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
47.26%
-0.1% YoY
+2.2% QoQ
|
-20.47% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.69%
-55.8% YoY
+29.0% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
117.14%
-2.9% YoY
-9.0% QoQ
|
+42.61% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.37%
-17.5% YoY
-18.3% QoQ
|
+11.98% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.77%
-51.9% YoY
-18.7% QoQ
|
+0.32% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
26% |
| 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 ? |
0.51%
-29.8% YoY
-2.8% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.27%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.35%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.26%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
117.14%
(Tier avg: 74.53%, National avg: 78.04%)
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
99
99th pctile
Return on Assets
Current: 3.27% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.35% · Tier avg: 3.85%
93
93th pctile
Efficiency Ratio
Current: 47.26% · Tier avg: 67.73%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.37% · Tier avg: 22.39%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
7
7th pctile
Total Loans
Current: $20.9M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $17.9M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $23.8M · Tier avg: $217.5M
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.14% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 117.14% · Tier avg: 74.53%
2
2th pctile
Total Assets
Current: $23.8M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $17.9M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $20.9M · Tier avg: $139.2M
26
26th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.37% · Tier avg: 22.39%
93
93th pctile
Efficiency Ratio
Current: 47.26% · Tier avg: 67.73%
99
99th pctile
Net Interest Margin
Current: 6.35% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.27% · Tier avg: 1.08%