BlastPoint's Banking Scorecard
First Bank Kansas
Community
Specialty: Commercial
KS
FDIC cert 18431
Salina, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
First Bank Kansas has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 1% in Community
- + Return on Assets 1.27% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$594.4M
+4.5% YoY
+2.1% QoQ
|
-$797.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$391.9M
+12.1% YoY
+3.8% QoQ
|
-$583.6M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$540.3M
+3.5% YoY
+2.5% QoQ
|
-$624.3M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
2.43%
-12.0% YoY
+12.4% QoQ
|
+1.27% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.41%
+12.7% YoY
+2.2% QoQ
|
+0.75% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
85% |
| Efficiency Ratio ? |
58.46%
+9.5% YoY
-3.9% QoQ
|
-4.17% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.49%
+190.0% YoY
|
-0.13% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
72.52%
+8.3% YoY
+1.2% QoQ
|
-10.54% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
21.10%
+0.9% YoY
+10.3% QoQ
|
+0.06% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.36%
+124.7% YoY
+454.9% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.24%
-6.6% YoY
-1.8% QoQ
|
+2.00% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
49% |
| Non-Interest Income / Assets ? |
1.99%
-35.7% YoY
+43.4% QoQ
|
+1.25% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#2 of 371 · Top 1% 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:
1.99%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.43%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 3%
in Community
Return on Assets is in the top decile of tier peers. Profitability per dollar of assets is materially outpacing similarly-sized banks - the engine of compounding book value.
Why this stands out
Current:
2.43%
(Tier avg: 1.16%, National avg: 1.12%)
Concerns (1)
Cost Spiral
risk
#15 of 40 · Bottom 36% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
58.46%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
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
97
97th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.16%
95
95th pctile
Non-Interest Income / Assets
Current: 1.99% · Tier avg: 0.74%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.52% · Tier avg: 83.06%
63
63th pctile
Efficiency Ratio
Current: 58.46% · Tier avg: 62.63%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.10% · Tier avg: 21.05%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 10.24%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
19
19th pctile
Total Deposits
Current: $540.3M · Tier avg: $1.2B
14
14th pctile
Total Assets
Current: $594.4M · Tier avg: $1.4B
13
13th pctile
Total Loans
Current: $391.9M · Tier avg: $975.5M
Top Weaknesses
13
13th pctile
Total Loans
Current: $391.9M · Tier avg: $975.5M
14
14th pctile
Total Assets
Current: $594.4M · Tier avg: $1.4B
19
19th pctile
Total Deposits
Current: $540.3M · Tier avg: $1.2B
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.50%
49
49th pctile
Tier 1 Capital Ratio
Current: 12.24% · Tier avg: 10.24%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.10% · Tier avg: 21.05%
63
63th pctile
Efficiency Ratio
Current: 58.46% · Tier avg: 62.63%
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.52% · Tier avg: 83.06%
85
85th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.66%
95
95th pctile
Non-Interest Income / Assets
Current: 1.99% · Tier avg: 0.74%
97
97th pctile
Return on Assets
Current: 2.43% · Tier avg: 1.16%