BlastPoint's Banking Scorecard
First National Bank in Frankfort
Micro
Specialty: Agricultural
KS
FDIC cert 4668
Designations: ✓ Community bank
Frankfort, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
First National Bank in Frankfort shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$61.6M
+3.6% YoY
+1.4% QoQ
|
-$155.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$31.1M
+9.5% YoY
-2.9% QoQ
|
-$108.1M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$57.3M
+1.3% YoY
+2.2% QoQ
|
-$126.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
0.62%
+27.6% YoY
+1.1% QoQ
|
-0.46% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
3.30%
+15.8% YoY
+2.5% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
81.32%
-3.6% YoY
+0.0% QoQ
|
+13.59% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.77%
-13.7% YoY
+18.3% QoQ
|
+0.13% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
54.21%
+8.1% YoY
-5.0% QoQ
|
-20.31% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
26.16%
+4.8% YoY
+13.1% QoQ
|
+3.77% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.39%
-8.8% YoY
+13.3% QoQ
|
-0.06% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
43% |
| 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 ? |
0.23%
-0.7% YoY
+24.8% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
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
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.21% · Tier avg: 74.53%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.16% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 81.32% · Tier avg: 67.73%
13
13th pctile
Total Deposits
Current: $57.3M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $31.1M · Tier avg: $139.2M
11
11th pctile
Total Assets
Current: $61.6M · Tier avg: $217.5M
Top Weaknesses
11
11th pctile
Total Assets
Current: $61.6M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $31.1M · Tier avg: $139.2M
13
13th pctile
Total Deposits
Current: $57.3M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 81.32% · Tier avg: 67.73%
23
23th pctile
Return on Assets
Current: 0.62% · Tier avg: 1.08%
25
25th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
35
35th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.39% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 26.16% · Tier avg: 22.39%
83
83th pctile
Loan-to-Deposit Ratio
Current: 54.21% · Tier avg: 74.53%