BlastPoint's Banking Scorecard
The Bank of Tescott
Community
Specialty: Agricultural
KS
FDIC cert 1868
Tescott, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The Bank of Tescott shows strong momentum with 1 strength and 30.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21% in Community
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 ? |
$639.4M
+30.0% YoY
+7.4% QoQ
|
-$752.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$471.2M
+28.3% YoY
+3.5% QoQ
|
-$504.3M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$566.9M
+33.1% YoY
+8.4% QoQ
|
-$597.7M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.42%
+8.0% YoY
-1.5% QoQ
|
+0.26% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.40%
+5.3% YoY
+1.6% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
60.19%
-0.1% YoY
+1.1% QoQ
|
-2.44% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.13%
-9.9% YoY
-51.0% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
83.13%
-3.6% YoY
-4.5% QoQ
|
+0.06% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
13.05%
+3.8% YoY
+14.5% QoQ
|
-8.00% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.10%
-21.0% YoY
-52.8% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.27%
-3.2% YoY
+22.0% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#79 of 371 · Top 21% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
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
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
56
56th pctile
Efficiency Ratio
Current: 60.19% · Tier avg: 62.63%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.13% · Tier avg: 83.06%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Loans
Current: $471.2M · Tier avg: $975.5M
24
24th pctile
Total Deposits
Current: $566.9M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $639.4M · Tier avg: $1.4B
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.05% · Tier avg: 21.05%
Top Weaknesses
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.05% · Tier avg: 21.05%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
20
20th pctile
Total Assets
Current: $639.4M · Tier avg: $1.4B
24
24th pctile
Total Deposits
Current: $566.9M · Tier avg: $1.2B
26
26th pctile
Total Loans
Current: $471.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.13% · Tier avg: 83.06%
56
56th pctile
Efficiency Ratio
Current: 60.19% · Tier avg: 62.63%
70
70th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.16%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%