BlastPoint's Banking Scorecard
Armed Forces Bank, National Association
Community
Specialty: Commercial
KS
FDIC cert 4666
Fort Leavenworth, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Armed Forces Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6% in Community
- + Revenue Diversifier: Top 12% in Community
- + Tier 1 Capital Ratio 12.18% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+2.3% YoY
-0.5% QoQ
|
+$33.5M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$795.4M
-1.9% YoY
-2.3% QoQ
|
-$180.0M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$1.2B
+2.0% YoY
+0.6% QoQ
|
+$60.3M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.46%
+2.0% YoY
+5.3% QoQ
|
+0.30% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
4.06%
+5.3% YoY
+0.3% QoQ
|
+0.40% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
67.76%
-0.5% YoY
-1.8% QoQ
|
+5.12% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.14%
+51.4% YoY
+61.0% QoQ
|
-0.49% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
64.94%
-3.9% YoY
-2.8% QoQ
|
-18.12% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.13%
+6.2% YoY
-0.1% QoQ
|
+8.08% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.08%
+45.2% YoY
+58.2% QoQ
|
-0.42% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
22.42%
-1.5% YoY
-4.1% QoQ
|
+12.18% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
3.22%
-0.2% YoY
+33.9% QoQ
|
+2.48% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#23 of 371 · Top 6% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#45 of 371 · Top 12% 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:
3.22%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.46%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.42%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Credit Quality Pressure
risk
#108 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.14%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
Non-Interest Income / Assets
Current: 3.22% · Tier avg: 0.74%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.42% · Tier avg: 10.24%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.94% · Tier avg: 83.06%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.13% · Tier avg: 21.05%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
73
73th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.66%
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
57
57th pctile
Total Loans
Current: $795.4M · Tier avg: $975.5M
33
33th pctile
Efficiency Ratio
Current: 67.76% · Tier avg: 62.63%
Top Weaknesses
33
33th pctile
Efficiency Ratio
Current: 67.76% · Tier avg: 62.63%
57
57th pctile
Total Loans
Current: $795.4M · Tier avg: $975.5M
67
67th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
71
71th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.16%
73
73th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.66%
77
77th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.50%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.13% · Tier avg: 21.05%
87
87th pctile
Loan-to-Deposit Ratio
Current: 64.94% · Tier avg: 83.06%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.42% · Tier avg: 10.24%
98
98th pctile
Non-Interest Income / Assets
Current: 3.22% · Tier avg: 0.74%