BlastPoint's Banking Scorecard
Ventura National Bank & Trust
Micro
Specialty: Commercial
KS
FDIC cert 4683
Designations: ✓ Community bank
Harveyville, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Ventura National Bank & Trust faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.57% below tier
- - Efficiency Ratio 46.08% above tier
- - Non-Interest-Bearing Deposit Share 17.90% below tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.0M
+78.4% YoY
+23.2% QoQ
|
-$154.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$33.8M
+63.7% YoY
+17.0% QoQ
|
-$105.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$53.8M
+107.3% YoY
+28.8% QoQ
|
-$129.8M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
-0.49%
+26.5% YoY
-15.5% QoQ
|
-1.57% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.74%
+1.2% YoY
-10.7% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
113.81%
+10.7% YoY
+4.0% QoQ
|
+46.08% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? | 0.09% | -0.55% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
62.72%
-21.1% YoY
-9.2% QoQ
|
-11.80% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
4.50%
-60.4% YoY
-26.8% QoQ
|
-17.90% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? | 0.05% | -0.41% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-71.4% YoY
+7.5% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.49%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
113.81%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.50%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.72% · Tier avg: 74.53%
72
72th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
13
13th pctile
Total Loans
Current: $33.8M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $53.8M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.0M · Tier avg: $217.5M
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.50% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.49% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 113.81% · Tier avg: 67.73%
Top Weaknesses
2
2th pctile
Efficiency Ratio
Current: 113.81% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.49% · Tier avg: 1.08%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.50% · Tier avg: 22.39%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
11
11th pctile
Total Assets
Current: $63.0M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $53.8M · Tier avg: $183.7M
13
13th pctile
Total Loans
Current: $33.8M · Tier avg: $139.2M
46
46th pctile
Net Interest Margin
Current: 3.74% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
72
72th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
72
72th pctile
Loan-to-Deposit Ratio
Current: 62.72% · Tier avg: 74.53%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%