BlastPoint's Banking Scorecard
The City State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17607
Designations: ✓ Community bank
Fort Scott, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The City State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$53.6M
+1.7% YoY
-2.1% QoQ
|
-$163.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$35.9M
+4.2% YoY
+1.0% QoQ
|
-$103.3M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$48.3M
+1.4% YoY
-3.4% QoQ
|
-$135.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.47%
+34.5% YoY
+3.5% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.95%
+6.4% YoY
+1.6% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
63.88%
-9.7% YoY
-1.6% QoQ
|
-3.85% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? | 0.00% | -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 ? |
74.29%
+2.7% YoY
+4.5% QoQ
|
-0.24% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
24.74%
+7.9% YoY
-4.2% QoQ
|
+2.35% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 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 ? |
0.57%
+41.7% YoY
+26.3% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.74% · Tier avg: 22.39%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
56
56th pctile
Efficiency Ratio
Current: 63.88% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.29% · Tier avg: 74.53%
13
13th pctile
Total Loans
Current: $35.9M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $48.3M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $53.6M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $53.6M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.3M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $35.9M · Tier avg: $139.2M
46
46th pctile
Loan-to-Deposit Ratio
Current: 74.29% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Efficiency Ratio
Current: 63.88% · Tier avg: 67.73%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.74% · Tier avg: 22.39%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%