BlastPoint's Banking Scorecard
Community Bank
Micro
Specialty: Commercial
KS
FDIC cert 34020
Designations: ✓ Community bank
Topeka, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Community Bank shows strong momentum with 2 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.18% above tier
- + Efficiency Ratio 27.08% below 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 ? |
$188.1M
+6.9% YoY
-2.2% QoQ
|
-$29.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$131.2M
+4.5% YoY
-3.7% QoQ
|
-$8.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$161.1M
+7.4% YoY
-3.1% QoQ
|
-$22.6M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
2.26%
+2.2% YoY
+0.6% QoQ
|
+1.18% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.78%
+0.0% YoY
+0.9% QoQ
|
+0.93% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
40.65%
-0.3% YoY
+3.0% QoQ
|
-27.08% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.26%
+363.3% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
81.45%
-2.7% YoY
-0.6% QoQ
|
+6.92% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
20.55%
-1.3% YoY
-13.1% QoQ
|
-1.84% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.18%
+356.2% QoQ
|
-0.27% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.64%
-4.3% YoY
+35.8% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.26%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.65%
(Tier avg: 67.73%, National avg: 65.09%)
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
98
98th pctile
Efficiency Ratio
Current: 40.65% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
86
86th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
54
54th pctile
Total Loans
Current: $131.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Deposits
Current: $161.1M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $188.1M · Tier avg: $217.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.55% · Tier avg: 22.39%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.45% · Tier avg: 74.53%
Top Weaknesses
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.45% · Tier avg: 74.53%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.55% · Tier avg: 22.39%
48
48th pctile
Total Assets
Current: $188.1M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $161.1M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Loans
Current: $131.2M · Tier avg: $139.2M
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.26% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 40.65% · Tier avg: 67.73%