BlastPoint's Banking Scorecard
First Kansas Bank
Micro
Specialty: Mortgage
KS
FDIC cert 18474
Designations: ✓ Community bank
Hoisington, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
First Kansas Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.50% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.9M
+2.0% YoY
+9.1% QoQ
|
+$83.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$130.6M
+3.2% YoY
+2.6% QoQ
|
-$8.6M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$281.8M
+0.6% YoY
+9.2% QoQ
|
+$98.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.71%
+13.2% YoY
+11.4% QoQ
|
+0.63% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.09%
-1.8% YoY
-1.2% QoQ
|
-0.76% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
46.23%
-7.0% YoY
-7.9% QoQ
|
-21.50% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% 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 ? |
46.35%
+2.5% YoY
-6.1% QoQ
|
-28.17% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.69%
+0.7% YoY
-4.5% QoQ
|
-13.70% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| 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 ? |
18.72%
-1.4% YoY
-0.8% QoQ
|
+9.86% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.41%
+37.5% YoY
+96.6% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.23%
(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)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.69%
(Tier avg: 22.39%, National avg: 21.79%)
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%
94
94th pctile
Efficiency Ratio
Current: 46.23% · Tier avg: 67.73%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.35% · Tier avg: 74.53%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.72% · Tier avg: 8.85%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
78
78th pctile
Total Deposits
Current: $281.8M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $300.9M · Tier avg: $217.5M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
53
53th pctile
Total Loans
Current: $130.6M · Tier avg: $139.2M
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.69% · Tier avg: 22.39%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.69% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
53
53th pctile
Total Loans
Current: $130.6M · Tier avg: $139.2M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
72
72th pctile
Total Assets
Current: $300.9M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $281.8M · Tier avg: $183.7M
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
84
84th pctile
Tier 1 Capital Ratio
Current: 18.72% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.35% · Tier avg: 74.53%
94
94th pctile
Efficiency Ratio
Current: 46.23% · 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%