BlastPoint's Banking Scorecard
The First National Bank of Scott City
Micro
Specialty: Agricultural
KS
FDIC cert 4769
Designations: ✓ Community bank
Scott City, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The First National Bank of Scott City shows strong momentum with 1 strength and 5.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.68% 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 ? |
$168.6M
+5.0% YoY
+1.3% QoQ
|
-$48.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$117.2M
+10.6% YoY
+2.5% QoQ
|
-$22.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$145.7M
+4.8% YoY
+5.4% QoQ
|
-$38.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
1.37%
-26.0% YoY
-9.6% QoQ
|
+0.28% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
4.44%
+10.2% YoY
+1.0% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
47.04%
-2.8% YoY
+0.1% QoQ
|
-20.68% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.47%
-4.9% YoY
-30.1% QoQ
|
-0.17% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
80.47%
+5.5% YoY
-2.8% QoQ
|
+5.94% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
28.51%
+8.8% YoY
+10.9% QoQ
|
+6.12% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.33%
+0.1% YoY
-29.3% QoQ
|
-0.12% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
47% |
| 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 ? |
0.31%
-62.1% YoY
+48.6% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.04%
(Tier avg: 67.73%, National avg: 65.09%)
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
93
93th pctile
Efficiency Ratio
Current: 47.04% · Tier avg: 67.73%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.51% · Tier avg: 22.39%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $117.2M · Tier avg: $139.2M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
44
44th pctile
Total Deposits
Current: $145.7M · Tier avg: $183.7M
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
43
43th pctile
Total Assets
Current: $168.6M · Tier avg: $217.5M
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.47% · Tier avg: 74.53%
Top Weaknesses
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.47% · Tier avg: 74.53%
43
43th pctile
Total Assets
Current: $168.6M · Tier avg: $217.5M
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
44
44th pctile
Total Deposits
Current: $145.7M · Tier avg: $183.7M
47
47th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.64%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.45%
49
49th pctile
Total Loans
Current: $117.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.51% · Tier avg: 22.39%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
93
93th pctile
Efficiency Ratio
Current: 47.04% · Tier avg: 67.73%