BlastPoint's Banking Scorecard
Outdoor Bank
Community
Specialty: Commercial
KS
FDIC cert 17685
Manhattan, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Outdoor Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.09% below tier
- - Delinquency Rate 2.31% above tier
- - Nonperforming Asset Ratio 1.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$661.3M
+7.8% YoY
+12.9% QoQ
|
-$730.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$476.8M
-0.2% YoY
+1.4% QoQ
|
-$498.7M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$585.4M
+8.1% YoY
+14.7% QoQ
|
-$579.2M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
0.08%
-72.5% YoY
+141.9% QoQ
|
-1.09% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
4.11%
-9.4% YoY
-1.8% QoQ
|
+0.44% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
75.51%
+12.0% YoY
+3.1% QoQ
|
+12.87% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
2.93%
+83.8% YoY
+36.2% QoQ
|
+2.31% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
81.44%
-7.6% YoY
-11.5% QoQ
|
-1.62% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
19.74%
+6.3% YoY
+14.3% QoQ
|
-1.31% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
2.25%
+78.9% YoY
+23.6% QoQ
|
+1.75% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.20%
-11.7% YoY
+15.1% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.08%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.93%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.25%
(Tier avg: 0.50%, National avg: 0.48%)
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
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.44% · Tier avg: 83.06%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.74% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Total Loans
Current: $476.8M · Tier avg: $975.5M
26
26th pctile
Total Deposits
Current: $585.4M · Tier avg: $1.2B
23
23th pctile
Total Assets
Current: $661.3M · Tier avg: $1.4B
16
16th pctile
Efficiency Ratio
Current: 75.51% · Tier avg: 62.63%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
5
5th pctile
Delinquency Rate
Current: 2.93% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.25% · Tier avg: 0.50%
4
4th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.16%
Top Weaknesses
4
4th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.16%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.25% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.93% · Tier avg: 0.63%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
16
16th pctile
Efficiency Ratio
Current: 75.51% · Tier avg: 62.63%
23
23th pctile
Total Assets
Current: $661.3M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $585.4M · Tier avg: $1.2B
27
27th pctile
Total Loans
Current: $476.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 19.74% · Tier avg: 21.05%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.44% · Tier avg: 83.06%
74
74th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.66%