BlastPoint's Banking Scorecard
The Bendena State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17410
Designations: ✓ Community bank
Bendena, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Bendena State Bank shows strong momentum with 1 strength and 17.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% 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 ? |
$130.9M
+17.0% YoY
+15.5% QoQ
|
-$86.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$83.4M
+14.9% YoY
+14.7% QoQ
|
-$55.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$110.6M
+21.2% YoY
+15.7% QoQ
|
-$73.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.66%
+20.4% YoY
-6.1% QoQ
|
+0.58% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.88%
+17.4% YoY
+0.8% QoQ
|
+0.03% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
53.28%
-1.6% YoY
+6.5% QoQ
|
-14.45% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.34%
-5.2% YoY
-0.9% QoQ
|
+0.82% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
30.25%
-9.3% YoY
+3.6% QoQ
|
+7.86% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.12%
-64.7% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
14.21%
+7.4% YoY
-0.7% QoQ
|
+5.35% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.22%
-4.7% YoY
+19.1% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
84
84th pctile
Efficiency Ratio
Current: 53.28% · Tier avg: 67.73%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.25% · Tier avg: 22.39%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.21% · Tier avg: 8.85%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.34% · Tier avg: 74.53%
36
36th pctile
Total Loans
Current: $83.4M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $110.6M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $130.9M · Tier avg: $217.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
Top Weaknesses
26
26th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
32
32th pctile
Total Assets
Current: $130.9M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $110.6M · Tier avg: $183.7M
36
36th pctile
Total Loans
Current: $83.4M · Tier avg: $139.2M
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.34% · Tier avg: 74.53%
54
54th pctile
Net Interest Margin
Current: 3.88% · Tier avg: 3.85%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.21% · Tier avg: 8.85%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.25% · Tier avg: 22.39%
81
81th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.08%
84
84th pctile
Efficiency Ratio
Current: 53.28% · Tier avg: 67.73%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%