BlastPoint's Banking Scorecard
The State Exchange Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17375
Designations: ✓ Community bank
Mankato, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The State Exchange Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 41.13% below tier
- + Non-Interest-Bearing Deposit Share 22.28% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.8M
+10.7% YoY
+31.2% QoQ
|
-$161.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$17.2M
+7.3% YoY
+3.4% QoQ
|
-$122.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$51.4M
+9.5% YoY
+33.8% QoQ
|
-$132.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.71%
-14.2% YoY
-26.0% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.06%
-0.1% YoY
-0.6% QoQ
|
-0.79% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
72.74%
+0.9% YoY
+10.9% QoQ
|
+5.01% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
1.87%
+304.3% YoY
-25.7% QoQ
|
+1.23% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
33.40%
-2.0% YoY
-22.7% QoQ
|
-41.13% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.67%
+6.0% YoY
+56.9% QoQ
|
+22.28% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.58%
+291.9% YoY
-41.5% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.11%
-13.8% YoY
-2.0% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
33.40%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.67%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.40% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.67% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
33
33th pctile
Efficiency Ratio
Current: 72.74% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
18
18th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.85%
14
14th pctile
Delinquency Rate
Current: 1.87% · Tier avg: 0.64%
11
11th pctile
Total Deposits
Current: $51.4M · Tier avg: $183.7M
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
9
9th pctile
Total Assets
Current: $55.8M · Tier avg: $217.5M
6
6th pctile
Total Loans
Current: $17.2M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $17.2M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $55.8M · Tier avg: $217.5M
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
11
11th pctile
Total Deposits
Current: $51.4M · Tier avg: $183.7M
14
14th pctile
Delinquency Rate
Current: 1.87% · Tier avg: 0.64%
18
18th pctile
Net Interest Margin
Current: 3.06% · Tier avg: 3.85%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 72.74% · Tier avg: 67.73%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.67% · Tier avg: 22.39%
97
97th pctile
Loan-to-Deposit Ratio
Current: 33.40% · Tier avg: 74.53%