BlastPoint's Banking Scorecard
The Stockgrowers State Bank
Micro
Specialty: Commercial
KS
FDIC cert 18165
Designations: ✓ Community bank
Maple Hill, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Stockgrowers State Bank shows strong momentum with 2 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.90% above tier
- + Efficiency Ratio 19.03% 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 ? |
$128.5M
+6.9% YoY
+7.2% QoQ
|
-$89.0M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$83.1M
+5.1% YoY
+9.8% QoQ
|
-$56.1M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$95.4M
+9.3% YoY
+9.2% QoQ
|
-$88.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
1.98%
+28.8% YoY
-4.2% QoQ
|
+0.90% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
4.28%
+13.5% YoY
+0.5% QoQ
|
+0.43% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
48.69%
-10.5% YoY
+3.3% QoQ
|
-19.03% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? | 0.20% | -0.44% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
87.12%
-3.8% YoY
+0.5% QoQ
|
+12.59% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
17.67%
+11.7% YoY
-5.0% QoQ
|
-4.72% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? | 0.13% | -0.32% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
63% |
| 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 ? |
0.17%
+1.7% YoY
+25.2% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.98%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.69%
(Tier avg: 67.73%, National avg: 65.09%)
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
91
91th pctile
Efficiency Ratio
Current: 48.69% · Tier avg: 67.73%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
72
72th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Total Loans
Current: $83.1M · Tier avg: $139.2M
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.67% · Tier avg: 22.39%
31
31th pctile
Total Assets
Current: $128.5M · Tier avg: $217.5M
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.12% · Tier avg: 74.53%
27
27th pctile
Total Deposits
Current: $95.4M · Tier avg: $183.7M
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
27
27th pctile
Total Deposits
Current: $95.4M · Tier avg: $183.7M
29
29th pctile
Loan-to-Deposit Ratio
Current: 87.12% · Tier avg: 74.53%
31
31th pctile
Total Assets
Current: $128.5M · Tier avg: $217.5M
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.67% · Tier avg: 22.39%
35
35th pctile
Total Loans
Current: $83.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
72
72th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
90
90th pctile
Return on Assets
Current: 1.98% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 48.69% · Tier avg: 67.73%