BlastPoint's Banking Scorecard
CoreFirst Bank & Trust
Community
Specialty: Commercial
KS
FDIC cert 18100
Topeka, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
CoreFirst Bank & Trust has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 35% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15% in Community
- - Credit Quality Pressure: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+4.3% YoY
-0.9% QoQ
|
-$100.2M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$860.5M
+5.0% YoY
+2.1% QoQ
|
-$115.0M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$1.1B
+2.3% YoY
+3.0% QoQ
|
-$112.6M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.30%
+72.3% YoY
+1.6% QoQ
|
+0.14% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
3.53%
+15.7% YoY
+3.0% QoQ
|
-0.13% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
67.81%
-10.7% YoY
-0.3% QoQ
|
+5.18% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.45%
+6.3% YoY
+50.5% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
81.79%
+2.7% YoY
-0.9% QoQ
|
-1.27% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
21.88%
-6.5% YoY
-0.5% QoQ
|
+0.83% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.30%
+7.5% YoY
+54.7% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.72%
-1.7% YoY
-2.8% QoQ
|
+1.48% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
44% |
| Non-Interest Income / Assets ? |
1.39%
+1.7% YoY
+29.5% QoQ
|
+0.65% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#131 of 371 · Top 35% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.39%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.30%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#100 of 642 · Bottom 15% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#186 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.45%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
92
92th pctile
Non-Interest Income / Assets
Current: 1.39% · Tier avg: 0.74%
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
61
61th pctile
Total Loans
Current: $860.5M · Tier avg: $975.5M
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.88% · Tier avg: 21.05%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.72% · Tier avg: 10.24%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.79% · Tier avg: 83.06%
32
32th pctile
Efficiency Ratio
Current: 67.81% · Tier avg: 62.63%
Top Weaknesses
32
32th pctile
Efficiency Ratio
Current: 67.81% · Tier avg: 62.63%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.79% · Tier avg: 83.06%
43
43th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.66%
44
44th pctile
Tier 1 Capital Ratio
Current: 11.72% · Tier avg: 10.24%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.88% · Tier avg: 21.05%
61
61th pctile
Total Loans
Current: $860.5M · Tier avg: $975.5M
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
63
63th pctile
Return on Assets
Current: 1.30% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.39% · Tier avg: 0.74%