BlastPoint's Banking Scorecard
Intrust Bank, National Association
Mid-Market
Specialty: Commercial
KS
FDIC cert 4799
Wichita, KS
201
banks in Mid-Market tier nationally
3 in KS
View Mid-Market leaderboard (KS) →
Intrust Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 19.71% below tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3% in Mid-Market
- - Flatlined Growth: Bottom 35% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.0B
-1.2% YoY
+2.4% QoQ
|
-$3.5B |
$10.5B
+2.9% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$4.1B
+2.1% YoY
+1.0% QoQ
|
-$3.0B |
$7.1B
+4.5% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$6.3B
-3.0% YoY
+3.9% QoQ
|
-$2.2B |
$8.5B
+3.0% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.20%
+50.6% YoY
+5.8% QoQ
|
+0.03% |
1.16%
+9.4% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.25%
+21.8% YoY
+2.1% QoQ
|
-0.15% |
3.40%
+7.9% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
60.83%
-11.4% YoY
-2.7% QoQ
|
+4.22% |
56.60%
-3.2% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.77%
+5.2% YoY
-11.9% QoQ
|
+0.09% |
0.68%
+12.0% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
65.76%
+5.3% YoY
-2.8% QoQ
|
-19.71% |
85.47%
+1.1% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.85%
+14.2% YoY
+3.1% QoQ
|
+0.21% |
20.64%
-0.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.46%
+8.7% YoY
-13.1% QoQ
|
-0.04% |
0.50%
+7.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
13.47%
+2.3% YoY
-0.9% QoQ
|
-0.08% |
13.55%
+1.8% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
1.01%
+7.8% YoY
+31.6% QoQ
|
+0.05% |
0.96%
+7.1% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Mid-Market
Loan-to-Deposit Ratio sits in the healthy 60-90% band and at the top of tier peers. Deposit base is being deployed efficiently into loans without stretching liquidity.
Why this stands out
Current:
65.76%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (2)
Credit Risk Growth
risk
#4 of 87 · Bottom 3% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#16 of 44 · Bottom 35% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.20%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 65.76% · Tier avg: 85.47%
77
77th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.96%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 13.55%
52
52th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.85% · Tier avg: 20.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
42
42th pctile
Total Deposits
Current: $6.3B · Tier avg: $8.5B
37
37th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.40%
37
37th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.68%
33
33th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
32
32th pctile
Efficiency Ratio
Current: 60.83% · Tier avg: 56.60%
19
19th pctile
Total Loans
Current: $4.1B · Tier avg: $7.1B
Top Weaknesses
19
19th pctile
Total Loans
Current: $4.1B · Tier avg: $7.1B
32
32th pctile
Efficiency Ratio
Current: 60.83% · Tier avg: 56.60%
33
33th pctile
Total Assets
Current: $7.0B · Tier avg: $10.5B
37
37th pctile
Delinquency Rate
Current: 0.77% · Tier avg: 0.68%
37
37th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.40%
42
42th pctile
Total Deposits
Current: $6.3B · Tier avg: $8.5B
45
45th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.85% · Tier avg: 20.64%
52
52th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.47% · Tier avg: 13.55%
77
77th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.96%
90
90th pctile
Loan-to-Deposit Ratio
Current: 65.76% · Tier avg: 85.47%