BlastPoint's Banking Scorecard
The Kansas State Bank
Ottawa, KS
3 branches across KS
The Kansas State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.48% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 20.7% in tier
- - Margin Compression: Bottom 31.2% in tier
- - Credit Quality Pressure: Bottom 44.4% in tier
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.9M
+3.5% YoY
-5.6% QoQ
|
-$186.2M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$76.9M
-0.1% YoY
-2.1% QoQ
|
-$178.8M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.8% in tier |
| Total Deposits ? |
$179.2M
+2.7% YoY
-6.7% QoQ
|
-$148.7M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.30%
-18.7% YoY
+6.5% QoQ
|
+0.03% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
56% |
| Net Interest Margin ? |
3.27%
+20.4% YoY
+5.3% QoQ
|
-0.66% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
60.80%
-10.6% YoY
-3.4% QoQ
|
-4.48% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.87%
+28.1% YoY
+24.1% QoQ
|
-0.02% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
42.92%
-2.7% YoY
+4.9% QoQ
|
-33.72% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.26%
+3.7% YoY
+9.1% QoQ
|
-2.76% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.33%
+23.7% YoY
+28.6% QoQ
|
-0.30% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
48% |
| Tier 1 Capital Ratio ? |
9.35%
-0.9% YoY
-3.8% QoQ
|
-6.48% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.9% in tier |
| Non-Interest Income / Assets ? |
0.09%
-4.9% YoY
-74.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
47% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (3)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.