BlastPoint's Banking Scorecard
The Walton State Bank
Micro
Specialty: Other
KS
FDIC cert 17982
Designations: ✓ Community bank
Walton, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Walton State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 33.90% below tier
- + Non-Interest-Bearing Deposit Share 22.63% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.14% below tier
- - Efficiency Ratio 62.47% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.9M
-35.1% YoY
-17.2% QoQ
|
-$206.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$3.2M
+12.1% YoY
-22.3% QoQ
|
-$135.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$8.0M
-41.8% YoY
-21.6% QoQ
|
-$175.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
-1.05%
-57.0% YoY
-23.7% QoQ
|
-2.14% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
4.32%
+15.6% YoY
+6.1% QoQ
|
+0.46% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
130.20%
+0.2% YoY
+7.4% QoQ
|
+62.47% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
40.63%
+92.8% YoY
-0.9% QoQ
|
-33.90% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
45.03%
+96.1% YoY
-17.0% QoQ
|
+22.63% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
56.60%
-7.8% YoY
+28.0% QoQ
|
+47.75% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.57%
+59.2% YoY
-12.9% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
40.63%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
45.03%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-1.05%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
130.20%
(Tier avg: 67.73%, National avg: 65.09%)
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%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.03% · Tier avg: 22.39%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.63% · Tier avg: 74.53%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
3
3th pctile
Return on Assets
Current: -1.05% · Tier avg: 1.08%
1
1th pctile
Total Loans
Current: $3.2M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $8.0M · Tier avg: $183.7M
1
1th pctile
Efficiency Ratio
Current: 130.20% · Tier avg: 67.73%
0
0th pctile
Total Assets
Current: $10.9M · Tier avg: $217.5M
Top Weaknesses
0
0th pctile
Total Assets
Current: $10.9M · Tier avg: $217.5M
1
1th pctile
Efficiency Ratio
Current: 130.20% · Tier avg: 67.73%
1
1th pctile
Total Deposits
Current: $8.0M · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $3.2M · Tier avg: $139.2M
3
3th pctile
Return on Assets
Current: -1.05% · Tier avg: 1.08%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
94
94th pctile
Loan-to-Deposit Ratio
Current: 40.63% · Tier avg: 74.53%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 45.03% · Tier avg: 22.39%
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%