BlastPoint's Banking Scorecard
Small Business Bank
Micro
Specialty: Agricultural
KS
FDIC cert 25744
Designations: ✓ Community bank
Lenexa, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Small Business Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 7.87% below tier
- - Net Interest Margin 1.40% below tier
- - Delinquency Rate 4.22% above tier
- - Nonperforming Asset Ratio 3.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.0M
-16.2% YoY
-6.1% QoQ
|
-$144.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$61.7M
-7.4% YoY
-1.1% QoQ
|
-$77.5M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$68.1M
-12.4% YoY
-2.8% QoQ
|
-$115.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
-6.78%
-44.5% YoY
-0.3% QoQ
|
-7.87% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.45%
+46.4% YoY
+2.7% QoQ
|
-1.40% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
266.76%
-9.3% YoY
-4.8% QoQ
|
+199.04% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
4.86%
+504.5% YoY
+37.1% QoQ
|
+4.22% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
90.56%
+5.7% YoY
+1.7% QoQ
|
+16.03% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
32.59%
-16.4% YoY
-6.7% QoQ
|
+10.19% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? |
4.11%
+567.8% YoY
+44.3% QoQ
|
+3.66% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
17.45%
-19.2% QoQ
|
+8.60% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.32%
-9.9% YoY
+57.7% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-6.78%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.86%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.11%
(Tier avg: 0.45%, National avg: 0.48%)
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
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.59% · Tier avg: 22.39%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.45% · Tier avg: 8.85%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.56% · Tier avg: 74.53%
17
17th pctile
Total Deposits
Current: $68.1M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $73.0M · Tier avg: $217.5M
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -6.78% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 4.86% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.11% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.11% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.86% · Tier avg: 0.64%
0
0th pctile
Return on Assets
Current: -6.78% · Tier avg: 1.08%
5
5th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.85%
14
14th pctile
Total Assets
Current: $73.0M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.1M · Tier avg: $183.7M
22
22th pctile
Loan-to-Deposit Ratio
Current: 90.56% · Tier avg: 74.53%
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.45% · Tier avg: 8.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.59% · Tier avg: 22.39%