BlastPoint's Banking Scorecard
Bank of Labor
Community
Specialty: Commercial
KS
FDIC cert 1874
Overland Park, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Bank of Labor faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.65% above tier
- - Loan-to-Deposit Ratio 47.33% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+14.8% YoY
+0.5% QoQ
|
-$319.6M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$354.1M
+7.0% YoY
-1.4% QoQ
|
-$621.3M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$991.1M
+13.4% YoY
-0.1% QoQ
|
-$173.5M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
0.93%
-4.3% YoY
-4.9% QoQ
|
-0.23% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.64%
-3.3% YoY
+0.1% QoQ
|
-0.02% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
70.63%
+2.9% YoY
+1.1% QoQ
|
+8.00% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? | 3.28% | +2.65% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
35.73%
-5.6% YoY
-1.3% QoQ
|
-47.33% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.01%
-8.5% YoY
+2.9% QoQ
|
+3.96% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? | 1.08% | +0.58% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.87%
+3.4% YoY
-1.1% QoQ
|
+3.63% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.76%
-7.9% YoY
+35.1% QoQ
|
+0.02% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.28%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
35.73%
(Tier avg: 83.06%, 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
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.01% · Tier avg: 21.05%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.87% · Tier avg: 10.24%
59
59th pctile
Total Deposits
Current: $991.1M · Tier avg: $1.2B
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.63% · Tier avg: 62.63%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
9
9th pctile
Total Loans
Current: $354.1M · Tier avg: $975.5M
2
2th pctile
Loan-to-Deposit Ratio
Current: 35.73% · Tier avg: 83.06%
0
0th pctile
Delinquency Rate
Current: 3.28% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.28% · Tier avg: 0.63%
2
2th pctile
Loan-to-Deposit Ratio
Current: 35.73% · Tier avg: 83.06%
9
9th pctile
Total Loans
Current: $354.1M · Tier avg: $975.5M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.50%
26
26th pctile
Efficiency Ratio
Current: 70.63% · Tier avg: 62.63%
33
33th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.16%
50
50th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
54
54th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $991.1M · Tier avg: $1.2B
67
67th pctile
Tier 1 Capital Ratio
Current: 13.87% · Tier avg: 10.24%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.01% · Tier avg: 21.05%
75
75th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.74%