BlastPoint's Banking Scorecard
The Solomon State Bank
Micro
Specialty: Mortgage
KS
FDIC cert 4773
Designations: ✓ Community bank
Solomon, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Solomon State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Efficiency Ratio 22.15% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.8M
+5.4% YoY
-1.6% QoQ
|
-$35.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$136.2M
-1.1% YoY
-1.3% QoQ
|
-$3.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$145.8M
+9.0% YoY
-1.9% QoQ
|
-$37.9M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
2.07%
-2.4% YoY
+4.3% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.04%
+0.6% YoY
+0.1% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
45.58%
+2.0% YoY
-4.3% QoQ
|
-22.15% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.07%
+216.0% YoY
+1.3% QoQ
|
-0.57% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
93.44%
-9.3% YoY
+0.6% QoQ
|
+18.91% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
9.60%
-11.1% YoY
+6.5% QoQ
|
-12.80% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+134.8% YoY
-4.2% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| 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 ? |
0.06%
+1.8% YoY
+42.0% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.07%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.58%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.06%
(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
95
95th pctile
Efficiency Ratio
Current: 45.58% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
56
56th pctile
Total Loans
Current: $136.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Assets
Current: $181.8M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $145.8M · Tier avg: $183.7M
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.44% · Tier avg: 74.53%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.60% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.60% · Tier avg: 22.39%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.44% · Tier avg: 74.53%
44
44th pctile
Total Deposits
Current: $145.8M · Tier avg: $183.7M
46
46th pctile
Total Assets
Current: $181.8M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Loans
Current: $136.2M · Tier avg: $139.2M
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
92
92th pctile
Return on Assets
Current: 2.07% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.58% · Tier avg: 67.73%