BlastPoint's Banking Scorecard
Goppert State Service Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17317
Designations: ✓ Community bank
Garnett, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Goppert State Service Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.50% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$324.3M
+7.2% YoY
+4.9% QoQ
|
+$106.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$257.6M
+8.1% YoY
+0.3% QoQ
|
+$118.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$292.4M
+7.9% YoY
+5.2% QoQ
|
+$108.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.20%
+13.5% YoY
+5.4% QoQ
|
+0.12% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.66%
+0.1% YoY
+1.2% QoQ
|
+0.81% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
57.76%
-2.9% YoY
-0.9% QoQ
|
-9.97% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
2.02%
-23.8% YoY
-23.0% QoQ
|
+1.38% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
88.09%
+0.2% YoY
-4.7% QoQ
|
+13.56% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
17.24%
-7.5% YoY
-1.8% QoQ
|
-5.16% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
1.96%
-25.9% YoY
-22.6% QoQ
|
+1.50% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% 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 ? |
0.17%
-37.8% YoY
+32.6% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.96%
(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
86
86th pctile
Total Loans
Current: $257.6M · Tier avg: $139.2M
84
84th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
80
80th pctile
Total Deposits
Current: $292.4M · Tier avg: $183.7M
77
77th pctile
Total Assets
Current: $324.3M · Tier avg: $217.5M
73
73th pctile
Efficiency Ratio
Current: 57.76% · Tier avg: 67.73%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.24% · Tier avg: 22.39%
27
27th pctile
Loan-to-Deposit Ratio
Current: 88.09% · Tier avg: 74.53%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.96% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.96% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
27
27th pctile
Loan-to-Deposit Ratio
Current: 88.09% · Tier avg: 74.53%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.24% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
73
73th pctile
Efficiency Ratio
Current: 57.76% · Tier avg: 67.73%
77
77th pctile
Total Assets
Current: $324.3M · Tier avg: $217.5M
80
80th pctile
Total Deposits
Current: $292.4M · Tier avg: $183.7M
84
84th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
86
86th pctile
Total Loans
Current: $257.6M · Tier avg: $139.2M