BlastPoint's Banking Scorecard
State Bank of Downs
Micro
Specialty: Other
KS
FDIC cert 9659
Designations: ✓ Community bank
Downs, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
State Bank of Downs has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$140.3M
+1.8% YoY
-0.3% QoQ
|
-$77.2M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$84.4M
-4.7% YoY
-6.1% QoQ
|
-$54.7M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$119.6M
+1.6% YoY
-0.3% QoQ
|
-$64.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
35% |
| Return on Assets ? |
1.59%
-8.8% YoY
-9.5% QoQ
|
+0.51% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.77%
-3.3% YoY
-0.7% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
55.36%
+3.1% YoY
+7.3% QoQ
|
-12.37% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
70.58%
-6.2% YoY
-5.9% QoQ
|
-3.95% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
27.97%
+12.0% YoY
+18.1% QoQ
|
+5.57% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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%
-46.6% YoY
+27.4% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
80
80th pctile
Efficiency Ratio
Current: 55.36% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.97% · Tier avg: 22.39%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.58% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
36
36th pctile
Total Loans
Current: $84.4M · Tier avg: $139.2M
35
35th pctile
Total Deposits
Current: $119.6M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $140.3M · Tier avg: $217.5M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
35
35th pctile
Total Assets
Current: $140.3M · Tier avg: $217.5M
35
35th pctile
Total Deposits
Current: $119.6M · Tier avg: $183.7M
36
36th pctile
Total Loans
Current: $84.4M · Tier avg: $139.2M
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.58% · Tier avg: 74.53%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.97% · Tier avg: 22.39%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.36% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%