BlastPoint's Banking Scorecard
The Stockgrowers State Bank of Ashland, Kansas
Micro
Specialty: Agricultural
KS
FDIC cert 17650
Designations: ✓ Community bank
Ashland, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Stockgrowers State Bank of Ashland, Kansas shows strong momentum with 2 strengths and 23.3% YoY asset growth
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 ? |
$225.2M
+23.3% YoY
+0.0% QoQ
|
+$7.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$133.2M
+20.0% YoY
-3.7% QoQ
|
-$6.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$194.2M
+31.5% YoY
+10.0% QoQ
|
+$10.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
1.23%
+37.6% YoY
+4.0% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.56%
+19.8% YoY
+2.0% QoQ
|
-0.29% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
65.59%
-7.4% YoY
-1.0% QoQ
|
-2.14% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| 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 ? |
68.57%
-8.8% YoY
-12.5% QoQ
|
-5.96% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
17.93%
-4.6% YoY
+1.4% QoQ
|
-4.47% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
0.44%
+53.7% YoY
+40.5% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
62% |
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%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.57% · Tier avg: 74.53%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
58
58th pctile
Total Deposits
Current: $194.2M · Tier avg: $183.7M
57
57th pctile
Total Assets
Current: $225.2M · Tier avg: $217.5M
55
55th pctile
Total Loans
Current: $133.2M · Tier avg: $139.2M
51
51th pctile
Efficiency Ratio
Current: 65.59% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.93% · Tier avg: 22.39%
Top Weaknesses
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.93% · Tier avg: 22.39%
37
37th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.59% · Tier avg: 67.73%
55
55th pctile
Total Loans
Current: $133.2M · Tier avg: $139.2M
57
57th pctile
Total Assets
Current: $225.2M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $194.2M · Tier avg: $183.7M
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.57% · Tier avg: 74.53%
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%