BlastPoint's Banking Scorecard
The Bank
Community
Specialty: Agricultural
KS
FDIC cert 26522
Oberlin, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 15% in Community
- + Net Interest Margin 1.42% above tier
- + Efficiency Ratio 22.54% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.60% above tier
- - Nonperforming Asset Ratio 1.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$615.3M
+29.3% YoY
+4.5% QoQ
|
-$776.1M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$372.0M
+42.2% YoY
+4.2% QoQ
|
-$603.5M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$541.0M
+31.9% YoY
+4.8% QoQ
|
-$623.6M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
2.33%
+14.8% YoY
-5.0% QoQ
|
+1.16% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.08%
+28.8% YoY
-3.7% QoQ
|
+1.42% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
40.09%
-9.9% YoY
+5.6% QoQ
|
-22.54% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
3.23%
+27.3% YoY
-0.8% QoQ
|
+2.60% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
68.75%
+7.8% YoY
-0.6% QoQ
|
-14.31% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
21.86%
-0.1% YoY
+3.8% QoQ
|
+0.82% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
2.05%
+47.0% YoY
-1.2% QoQ
|
+1.55% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
16.83%
-29.5% YoY
+1.0% QoQ
|
+6.58% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.24%
+2.8% YoY
+29.0% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#56 of 371 · Top 15% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.33%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.08%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.09%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
3.23%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.05%
(Tier avg: 0.50%, 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
96
96th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 40.09% · Tier avg: 62.63%
95
95th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.66%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.83% · Tier avg: 10.24%
82
82th pctile
Loan-to-Deposit Ratio
Current: 68.75% · Tier avg: 83.06%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.86% · Tier avg: 21.05%
20
20th pctile
Total Deposits
Current: $541.0M · Tier avg: $1.2B
16
16th pctile
Total Assets
Current: $615.3M · Tier avg: $1.4B
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
11
11th pctile
Total Loans
Current: $372.0M · Tier avg: $975.5M
6
6th pctile
Nonperforming Asset Ratio
Current: 2.05% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 3.23% · Tier avg: 0.63%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.23% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.05% · Tier avg: 0.50%
11
11th pctile
Total Loans
Current: $372.0M · Tier avg: $975.5M
16
16th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
16
16th pctile
Total Assets
Current: $615.3M · Tier avg: $1.4B
20
20th pctile
Total Deposits
Current: $541.0M · Tier avg: $1.2B
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.86% · Tier avg: 21.05%
82
82th pctile
Loan-to-Deposit Ratio
Current: 68.75% · Tier avg: 83.06%
86
86th pctile
Tier 1 Capital Ratio
Current: 16.83% · Tier avg: 10.24%
95
95th pctile
Net Interest Margin
Current: 5.08% · Tier avg: 3.66%
95
95th pctile
Efficiency Ratio
Current: 40.09% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.16%