BlastPoint's Banking Scorecard
Great American Bank
Micro
Specialty: Commercial
KS
FDIC cert 35292
Designations: ✓ Community bank
Lawrence, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Great American Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.48% above tier
- + Efficiency Ratio 25.50% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$495.9M
+1.7% YoY
-1.9% QoQ
|
+$278.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$396.5M
+3.5% YoY
+1.7% QoQ
|
+$257.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$407.4M
+1.5% YoY
-2.1% QoQ
|
+$223.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
2.56%
+19.6% YoY
-1.4% QoQ
|
+1.48% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.73%
+3.9% YoY
+1.6% QoQ
|
+0.87% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 15% in tier |
| Efficiency Ratio ? |
42.23%
-13.3% YoY
+1.8% QoQ
|
-25.50% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
97.33%
+2.0% YoY
+3.8% QoQ
|
+22.81% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.81%
-1.1% YoY
+5.7% QoQ
|
-3.58% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.40%
+56.2% YoY
+23.9% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.56%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.23%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Total Assets
Current: $495.9M · Tier avg: $217.5M
99
99th pctile
Total Loans
Current: $396.5M · Tier avg: $139.2M
97
97th pctile
Total Deposits
Current: $407.4M · Tier avg: $183.7M
97
97th pctile
Efficiency Ratio
Current: 42.23% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.08%
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.81% · Tier avg: 22.39%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.33% · Tier avg: 74.53%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.33% · Tier avg: 74.53%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.81% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
85
85th pctile
Net Interest Margin
Current: 4.73% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.23% · Tier avg: 67.73%
97
97th pctile
Total Deposits
Current: $407.4M · Tier avg: $183.7M
99
99th pctile
Total Loans
Current: $396.5M · Tier avg: $139.2M
100
100th pctile
Total Assets
Current: $495.9M · Tier avg: $217.5M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%