BlastPoint's Banking Scorecard
Astra Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17636
Designations: ✓ Community bank
Scandia, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Astra Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.34% above 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 ? |
$435.9M
+3.4% YoY
+2.1% QoQ
|
+$218.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$226.1M
+1.3% YoY
+1.5% QoQ
|
+$87.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$384.6M
-2.9% YoY
+1.6% QoQ
|
+$200.9M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
0.70%
-3.6% YoY
+6.9% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.52%
+13.2% YoY
-1.3% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
73.84%
-13.3% YoY
-9.3% QoQ
|
+6.12% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.20%
+340.7% YoY
+3.7% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
58.81%
+4.3% YoY
-0.1% QoQ
|
-15.72% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
14.67%
-0.5% YoY
-5.0% QoQ
|
-7.72% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.10%
+331.9% YoY
+3.1% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.26%
+15.7% YoY
+4.3% QoQ
|
+3.41% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.90%
+114.5% YoY
+196.8% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.90%
(Tier avg: 0.56%, National avg: 0.65%)
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
95
95th pctile
Total Deposits
Current: $384.6M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $435.9M · Tier avg: $217.5M
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
80
80th pctile
Total Loans
Current: $226.1M · Tier avg: $139.2M
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.26% · Tier avg: 8.85%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
31
31th pctile
Efficiency Ratio
Current: 73.84% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
23
23th pctile
Loan-to-Deposit Ratio
Current: 58.81% · Tier avg: 74.53%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.67% · Tier avg: 22.39%
Top Weaknesses
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.67% · Tier avg: 22.39%
23
23th pctile
Loan-to-Deposit Ratio
Current: 58.81% · Tier avg: 74.53%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
31
31th pctile
Efficiency Ratio
Current: 73.84% · Tier avg: 67.73%
35
35th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.85%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.26% · Tier avg: 8.85%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
80
80th pctile
Total Loans
Current: $226.1M · Tier avg: $139.2M
90
90th pctile
Non-Interest Income / Assets
Current: 0.90% · Tier avg: 0.56%
93
93th pctile
Total Assets
Current: $435.9M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $384.6M · Tier avg: $183.7M