BlastPoint's Banking Scorecard
Equity Bank
Mid-Market
Specialty: Commercial
KS
FDIC cert 25858
Andover, KS
201
banks in Mid-Market tier nationally
3 in KS
View Mid-Market leaderboard (KS) →
Equity Bank shows strong momentum with 1 strength and 18.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.09% above tier
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 ? |
$6.3B
+18.9% YoY
-0.5% QoQ
|
-$4.1B |
$10.5B
+2.9% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$4.1B
+19.9% YoY
-1.6% QoQ
|
-$3.0B |
$7.1B
+4.5% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$5.2B
+15.6% YoY
+0.0% QoQ
|
-$3.4B |
$8.5B
+3.0% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.55%
-52.2% YoY
+94.0% QoQ
|
-0.61% |
1.16%
+9.4% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
4.49%
+8.9% YoY
+1.7% QoQ
|
+1.09% |
3.40%
+7.9% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
60.45%
-3.6% YoY
-1.6% QoQ
|
+3.84% |
56.60%
-3.2% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
1.04%
+31.3% YoY
-15.2% QoQ
|
+0.35% |
0.68%
+12.0% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
80.03%
+3.8% YoY
-1.7% QoQ
|
-5.44% |
85.47%
+1.1% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.45%
-3.5% YoY
-2.6% QoQ
|
+2.81% |
20.64%
-0.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.77%
+26.8% YoY
-11.2% QoQ
|
+0.27% |
0.50%
+7.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.63%
-3.6% YoY
+3.9% QoQ
|
+0.08% |
13.55%
+1.8% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.57%
-20.1% YoY
+35.5% QoQ
|
-0.39% |
0.96%
+7.1% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Mid-Market
Why this stands out
Current:
4.49%
(Tier avg: 3.40%, National avg: 3.75%)
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
91
91th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.40%
68
68th pctile
Loan-to-Deposit Ratio
Current: 80.03% · Tier avg: 85.47%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 13.55%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.45% · Tier avg: 20.64%
36
36th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
34
34th pctile
Efficiency Ratio
Current: 60.45% · Tier avg: 56.60%
24
24th pctile
Total Assets
Current: $6.3B · Tier avg: $10.5B
23
23th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
23
23th pctile
Total Deposits
Current: $5.2B · Tier avg: $8.5B
23
23th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.68%
19
19th pctile
Total Loans
Current: $4.1B · Tier avg: $7.1B
17
17th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
Top Weaknesses
17
17th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.16%
19
19th pctile
Total Loans
Current: $4.1B · Tier avg: $7.1B
23
23th pctile
Delinquency Rate
Current: 1.04% · Tier avg: 0.68%
23
23th pctile
Total Deposits
Current: $5.2B · Tier avg: $8.5B
23
23th pctile
Nonperforming Asset Ratio
Current: 0.77% · Tier avg: 0.50%
24
24th pctile
Total Assets
Current: $6.3B · Tier avg: $10.5B
34
34th pctile
Efficiency Ratio
Current: 60.45% · Tier avg: 56.60%
36
36th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.96%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.45% · Tier avg: 20.64%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.63% · Tier avg: 13.55%
68
68th pctile
Loan-to-Deposit Ratio
Current: 80.03% · Tier avg: 85.47%
91
91th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.40%