BlastPoint's Banking Scorecard
Elevate Bank, National Association
Micro
Specialty: Commercial
KS
FDIC cert 4770
Designations: ✓ Community bank
Sedan, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Elevate Bank, National Association shows strong momentum with 3 strengths and 9.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.18% above tier
- + Non-Interest-Bearing Deposit Share 24.10% above tier
- + Non-Interest Income / Assets 0.86% above 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 ? |
$60.1M
+9.3% YoY
+6.0% QoQ
|
-$157.4M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$44.3M
+47.7% YoY
+22.7% QoQ
|
-$94.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$50.6M
+6.6% YoY
+4.7% QoQ
|
-$133.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.58%
+92.8% YoY
-17.8% QoQ
|
+0.49% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
6.04%
+2.2% YoY
+0.8% QoQ
|
+2.18% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
72.97%
-11.2% YoY
+4.7% QoQ
|
+5.25% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
0.07%
-89.0% YoY
-23.4% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
87.41%
+38.6% YoY
+17.2% QoQ
|
+12.89% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
46.50%
+11.0% YoY
-4.5% QoQ
|
+24.10% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-85.1% YoY
-11.4% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| 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 ? |
1.42%
+158.8% YoY
+7.0% QoQ
|
+0.86% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.04%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
46.50%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.42%
(Tier avg: 0.56%, National avg: 0.65%)
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
98
98th pctile
Net Interest Margin
Current: 6.04% · Tier avg: 3.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.50% · Tier avg: 22.39%
95
95th pctile
Non-Interest Income / Assets
Current: 1.42% · Tier avg: 0.56%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.08%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Efficiency Ratio
Current: 72.97% · Tier avg: 67.73%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.41% · Tier avg: 74.53%
17
17th pctile
Total Loans
Current: $44.3M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $50.6M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.1M · Tier avg: $217.5M
Top Weaknesses
10
10th pctile
Total Assets
Current: $60.1M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $50.6M · Tier avg: $183.7M
17
17th pctile
Total Loans
Current: $44.3M · Tier avg: $139.2M
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.41% · Tier avg: 74.53%
33
33th pctile
Efficiency Ratio
Current: 72.97% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
78
78th pctile
Return on Assets
Current: 1.58% · Tier avg: 1.08%
95
95th pctile
Non-Interest Income / Assets
Current: 1.42% · Tier avg: 0.56%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 46.50% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 6.04% · Tier avg: 3.85%