BlastPoint's Banking Scorecard
Bank of Commerce and Trust Company
Micro
Specialty: Agricultural
KS
FDIC cert 4796
Designations: ✓ Community bank
Wellington, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Bank of Commerce and Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.70% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.0M
+4.1% YoY
+8.4% QoQ
|
-$101.5M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$49.2M
-6.1% YoY
-1.7% QoQ
|
-$89.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$107.4M
+2.5% YoY
+8.9% QoQ
|
-$76.2M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
0.68%
+10.0% YoY
-7.4% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.19%
+7.3% YoY
-1.0% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
77.59%
-1.4% YoY
+2.5% QoQ
|
+9.87% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
2.00%
+61.7% YoY
-25.4% QoQ
|
+1.36% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
45.83%
-8.4% YoY
-9.7% QoQ
|
-28.70% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.50%
+2.5% YoY
-8.1% QoQ
|
-8.90% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.01%
+34.6% YoY
-29.3% QoQ
|
+0.56% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
17.75%
+6.5% YoY
+2.0% QoQ
|
+8.90% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.40%
-12.8% YoY
+26.3% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
45.83%
(Tier avg: 74.53%, National avg: 78.04%)
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
81
81th pctile
Tier 1 Capital Ratio
Current: 17.75% · Tier avg: 8.85%
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
31
31th pctile
Total Deposits
Current: $107.4M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $116.0M · Tier avg: $217.5M
26
26th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.59% · Tier avg: 67.73%
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.50% · Tier avg: 22.39%
13
13th pctile
Delinquency Rate
Current: 2.00% · Tier avg: 0.64%
10
10th pctile
Loan-to-Deposit Ratio
Current: 45.83% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 45.83% · Tier avg: 74.53%
13
13th pctile
Delinquency Rate
Current: 2.00% · Tier avg: 0.64%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.50% · Tier avg: 22.39%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.01% · Tier avg: 0.45%
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
24
24th pctile
Efficiency Ratio
Current: 77.59% · Tier avg: 67.73%
26
26th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
27
27th pctile
Total Assets
Current: $116.0M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.4M · Tier avg: $183.7M
56
56th pctile
Non-Interest Income / Assets
Current: 0.40% · Tier avg: 0.56%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.75% · Tier avg: 8.85%