BlastPoint's Banking Scorecard
The First State Bank
Community
Specialty: Agricultural
KS
FDIC cert 5835
Norton, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
The First State Bank 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
- - Capital Thin: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$519.5M
+3.8% YoY
+1.7% QoQ
|
-$871.9M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$307.8M
+15.1% YoY
+4.7% QoQ
|
-$667.6M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$436.0M
+3.0% YoY
+2.2% QoQ
|
-$728.6M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.64%
+13.1% YoY
+1.3% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.80%
+8.4% YoY
+0.7% QoQ
|
+0.14% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
55.20%
-6.1% YoY
-1.7% QoQ
|
-7.43% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.17%
-4.1% YoY
-19.5% QoQ
|
-0.46% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
70.60%
+11.7% YoY
+2.5% QoQ
|
-12.46% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
32.40%
+8.2% YoY
+6.2% QoQ
|
+11.36% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+12.9% YoY
-16.4% QoQ
|
-0.39% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.39%
+0.3% YoY
+28.2% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#178 of 432 · Bottom 41% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
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
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.40% · Tier avg: 21.05%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
72
72th pctile
Efficiency Ratio
Current: 55.20% · Tier avg: 62.63%
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.60% · Tier avg: 83.06%
5
5th pctile
Total Loans
Current: $307.8M · Tier avg: $975.5M
3
3th pctile
Total Deposits
Current: $436.0M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $519.5M · Tier avg: $1.4B
Top Weaknesses
3
3th pctile
Total Assets
Current: $519.5M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $436.0M · Tier avg: $1.2B
5
5th pctile
Total Loans
Current: $307.8M · Tier avg: $975.5M
20
20th pctile
Loan-to-Deposit Ratio
Current: 70.60% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
60
60th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.66%
72
72th pctile
Efficiency Ratio
Current: 55.20% · Tier avg: 62.63%
74
74th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.63%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.40% · Tier avg: 21.05%