BlastPoint's Banking Scorecard
nbkc bank
Community
Specialty: Commercial
KS
FDIC cert 35014
Leawood, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
nbkc bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 4% in Community
- + Return on Assets 1.58% above tier
- + Non-Interest-Bearing Deposit Share 13.66% above tier
- + Tier 1 Capital Ratio 12.06% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+9.9% YoY
+7.7% QoQ
|
-$135.4M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$880.1M
+10.6% YoY
+4.1% QoQ
|
-$95.4M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$1.0B
+10.7% YoY
+9.2% QoQ
|
-$138.6M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
2.74%
-10.7% YoY
-0.9% QoQ
|
+1.58% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
3.90%
+0.8% YoY
+0.5% QoQ
|
+0.24% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
73.72%
+4.3% YoY
+0.7% QoQ
|
+11.09% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
1.12%
+77.2% YoY
-7.1% QoQ
|
+0.49% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
85.78%
-0.1% YoY
-4.6% QoQ
|
+2.72% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
34.71%
-7.4% YoY
-10.1% QoQ
|
+13.66% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.79%
+66.4% YoY
-12.6% QoQ
|
+0.29% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
22.30%
-0.7% YoY
-3.6% QoQ
|
+12.06% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
6.64%
-14.3% YoY
+28.8% QoQ
|
+5.90% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (4)
Revenue Diversifier
growth
#17 of 371 · Top 4% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
6.64%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.74%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Return on Assets
metric
Top 2%
in Community
Why this stands out
Current:
2.74%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Community
Why this stands out
Current:
34.71%
(Tier avg: 21.05%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.30%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#65 of 268 · Bottom 24% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
22.30%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
85.78%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
99
99th pctile
Non-Interest Income / Assets
Current: 6.64% · Tier avg: 0.74%
98
98th pctile
Return on Assets
Current: 2.74% · Tier avg: 1.16%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.30% · Tier avg: 10.24%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.71% · Tier avg: 21.05%
66
66th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
63
63th pctile
Total Loans
Current: $880.1M · Tier avg: $975.5M
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.78% · Tier avg: 83.06%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
19
19th pctile
Efficiency Ratio
Current: 73.72% · Tier avg: 62.63%
Top Weaknesses
19
19th pctile
Efficiency Ratio
Current: 73.72% · Tier avg: 62.63%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.79% · Tier avg: 0.50%
53
53th pctile
Loan-to-Deposit Ratio
Current: 85.78% · Tier avg: 83.06%
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
63
63th pctile
Total Loans
Current: $880.1M · Tier avg: $975.5M
66
66th pctile
Net Interest Margin
Current: 3.90% · Tier avg: 3.66%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 34.71% · Tier avg: 21.05%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.30% · Tier avg: 10.24%
98
98th pctile
Return on Assets
Current: 2.74% · Tier avg: 1.16%
99
99th pctile
Non-Interest Income / Assets
Current: 6.64% · Tier avg: 0.74%