BlastPoint's Banking Scorecard
TriCentury Bank
Micro
Specialty: Commercial
KS
FDIC cert 18109
Designations: ✓ Community bank
De Soto, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
TriCentury Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.58% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 68.41% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.2M
+13.4% YoY
+2.1% QoQ
|
-$21.3M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$169.9M
+22.3% YoY
+3.2% QoQ
|
+$30.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$118.8M
+23.6% YoY
+3.1% QoQ
|
-$64.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.62%
+4.0% YoY
+2.1% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.12%
+3.0% YoY
+1.0% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
44.15%
-4.2% YoY
-0.5% QoQ
|
-23.58% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| 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 ? |
142.94%
-1.0% YoY
+0.1% QoQ
|
+68.41% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.98%
-16.3% YoY
-13.7% QoQ
|
-6.41% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
26% |
| 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 ? |
0.13%
+6.4% YoY
+45.5% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
44.15%
(Tier avg: 67.73%, National avg: 65.09%)
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 (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
142.94%
(Tier avg: 74.53%, National avg: 78.04%)
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
Efficiency Ratio
Current: 44.15% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
66
66th pctile
Total Loans
Current: $169.9M · Tier avg: $139.2M
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Assets
Current: $196.2M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $118.8M · Tier avg: $183.7M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.98% · Tier avg: 22.39%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
0
0th pctile
Loan-to-Deposit Ratio
Current: 142.94% · Tier avg: 74.53%
Top Weaknesses
0
0th pctile
Loan-to-Deposit Ratio
Current: 142.94% · Tier avg: 74.53%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.98% · Tier avg: 22.39%
35
35th pctile
Total Deposits
Current: $118.8M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $196.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
66
66th pctile
Total Loans
Current: $169.9M · Tier avg: $139.2M
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 44.15% · Tier avg: 67.73%
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%