BlastPoint's Banking Scorecard
KS StateBank
Community
Specialty: Commercial
KS
FDIC cert 19899
Manhattan, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
KS StateBank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.22% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10% in Community
- - Delinquency Rate 1.67% above tier
- - Nonperforming Asset Ratio 1.58% above tier
- - Non-Interest Income / Assets 0.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
+6.5% YoY
-1.5% QoQ
|
+$1.3B |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 13% in tier |
| Total Loans ? |
$2.0B
+2.4% YoY
+0.4% QoQ
|
+$1.0B |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$2.2B
+8.5% YoY
-2.0% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.69%
+14.3% YoY
+5.0% QoQ
|
+0.53% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.09%
+5.0% YoY
+2.5% QoQ
|
-0.58% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
39.41%
-11.0% YoY
-5.0% QoQ
|
-23.22% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
2.30%
+271.0% YoY
-11.5% QoQ
|
+1.67% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
91.21%
-5.6% YoY
+2.5% QoQ
|
+8.15% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
10.41%
-6.6% YoY
+8.1% QoQ
|
-10.64% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
2.08%
+128.5% YoY
+0.8% QoQ
|
+1.58% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| 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 ? |
0.12%
+75.5% YoY
+25.3% QoQ
|
-0.62% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.41%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (4)
Liquidity Strain
risk
#52 of 513 · Bottom 10% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
91.21%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.30%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.08%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 0.74%, National avg: 0.65%)
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
96
96th pctile
Efficiency Ratio
Current: 39.41% · Tier avg: 62.63%
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.21% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
21
21th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.66%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.41% · Tier avg: 21.05%
8
8th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.30% · Tier avg: 0.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.41% · Tier avg: 21.05%
21
21th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.21% · Tier avg: 83.06%
83
83th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.16%
87
87th pctile
Total Assets
Current: $2.6B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
89
89th pctile
Total Loans
Current: $2.0B · Tier avg: $975.5M
96
96th pctile
Efficiency Ratio
Current: 39.41% · Tier avg: 62.63%