BlastPoint's Banking Scorecard
NINNESCAH VALLEY BANK
Micro
Specialty: Agricultural
KS
FDIC cert 4652
Designations: ✓ Community bank
Cunningham, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
NINNESCAH VALLEY BANK has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 29.64% below tier
- + Non-Interest-Bearing Deposit Share 17.96% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.58% above tier
- - Nonperforming Asset Ratio 1.25% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.5M
-1.3% YoY
-4.3% QoQ
|
-$177.0M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$16.4M
+3.3% YoY
-4.7% QoQ
|
-$122.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$36.5M
-4.6% YoY
-4.3% QoQ
|
-$147.2M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.97%
+5.3% YoY
+1.5% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.18%
+11.2% YoY
-0.6% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
65.58%
-7.1% YoY
+4.2% QoQ
|
-2.15% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
4.22%
+72.0% YoY
-0.5% QoQ
|
+3.58% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
44.89%
+8.2% YoY
-0.5% QoQ
|
-29.64% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
40.35%
-18.8% YoY
-3.0% QoQ
|
+17.96% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
1.71%
+80.0% YoY
-1.0% QoQ
|
+1.25% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% 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 ? |
0.14%
-6.9% YoY
+32.3% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
44.89%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.35%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.22%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.71%
(Tier avg: 0.45%, 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
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.35% · Tier avg: 22.39%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.89% · Tier avg: 74.53%
67
67th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.85%
51
51th pctile
Efficiency Ratio
Current: 65.58% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.71% · Tier avg: 0.45%
6
6th pctile
Total Deposits
Current: $36.5M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $16.4M · Tier avg: $139.2M
5
5th pctile
Total Assets
Current: $40.5M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.22% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 4.22% · Tier avg: 0.64%
5
5th pctile
Total Assets
Current: $40.5M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $16.4M · Tier avg: $139.2M
6
6th pctile
Total Deposits
Current: $36.5M · Tier avg: $183.7M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.71% · Tier avg: 0.45%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.58% · Tier avg: 67.73%
67
67th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.85%
91
91th pctile
Loan-to-Deposit Ratio
Current: 44.89% · Tier avg: 74.53%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.35% · Tier avg: 22.39%