BlastPoint's Banking Scorecard
American Bank of Baxter Springs
Micro
Specialty: Agricultural
KS
FDIC cert 4624
Designations: ✓ Community bank
Baxter Springs, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
American Bank of Baxter Springs shows strong momentum with 2 strengths and 32.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + 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 ? |
$194.7M
+32.5% YoY
+9.5% QoQ
|
-$22.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$94.4M
+21.7% YoY
+1.4% QoQ
|
-$44.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$176.9M
+33.3% YoY
+10.3% QoQ
|
-$6.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.34%
+8.4% YoY
-19.2% QoQ
|
+0.25% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.63%
-9.1% YoY
-3.3% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
62.97%
-9.7% YoY
+10.5% QoQ
|
-4.75% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
53.40%
-8.8% YoY
-8.1% QoQ
|
-21.13% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
12.11%
-45.5% YoY
-0.5% QoQ
|
-10.28% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? |
0.36%
+15.7% YoY
+7.4% QoQ
|
-0.20% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (2)
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%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
58
58th pctile
Efficiency Ratio
Current: 62.97% · Tier avg: 67.73%
53
53th pctile
Total Deposits
Current: $176.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
50
50th pctile
Total Assets
Current: $194.7M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $94.4M · Tier avg: $139.2M
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
16
16th pctile
Loan-to-Deposit Ratio
Current: 53.40% · Tier avg: 74.53%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.11% · Tier avg: 22.39%
Top Weaknesses
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.11% · Tier avg: 22.39%
16
16th pctile
Loan-to-Deposit Ratio
Current: 53.40% · Tier avg: 74.53%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
41
41th pctile
Total Loans
Current: $94.4M · Tier avg: $139.2M
50
50th pctile
Total Assets
Current: $194.7M · Tier avg: $217.5M
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Deposits
Current: $176.9M · Tier avg: $183.7M
58
58th pctile
Efficiency Ratio
Current: 62.97% · Tier avg: 67.73%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
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%