BlastPoint's Banking Scorecard

The Baldwin State Bank

$100M-$1B Specialty: Other KS FDIC cert 10906

Baldwin City, KS

2 branches across KS

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +6.0% year over year ($102.6M on the books).
Delinquency rate 0.04%.
Return on assets 0.98%.
Efficiency ratio 69.15% vs a 64.48% peer average.
Loan-to-deposit ratio 46.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The Baldwin State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 46.9% in tier
- ROA 0.34% below tier average
- Net Interest Margin 0.95% below tier average
- Efficiency Ratio 4.67% above tier average

Get updates when The Baldwin State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$115.5M +5.7% YoY +7.3% QoQ	-$271.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 4.4% in tier
Total Loans ?	$47.4M -1.2% YoY +1.4% QoQ	-$211.0M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Bottom 2.5% in tier
Total Deposits ?	$102.6M +6.0% YoY +8.0% QoQ	-$224.1M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 6.0% in tier
Return on Assets ?	0.98% +10.1% YoY +29.6% QoQ	-0.34%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	3.04% +3.7% YoY +0.9% QoQ	-0.95%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Bottom 11.1% in tier
Efficiency Ratio ?	69.15% -1.7% YoY -8.0% QoQ	+4.67%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	0.04% -61.7% YoY -23.8% QoQ	-0.88%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	46.14% -6.8% YoY -6.1% QoQ	-31.81%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 6.5% in tier
Non-Interest-Bearing Deposit Share ?	25.23% -15.5% YoY -1.6% QoQ	+3.20%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	0.01% -64.3% YoY -28.0% QoQ	-0.65%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 14.8% in tier
Tier 1 Capital Ratio ?	10.14% -0.5% YoY -3.1% QoQ	-5.77%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 12.6% in tier
Non-Interest Income / Assets ?	0.17% +0.1% YoY +118.9% QoQ	-0.39%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	42%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	25.2% -4.6pp YoY -0.4pp QoQ	+3.1pp	22.1%	22.3%	22.2%	66%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	11.0% +0.7pp YoY -0.2pp QoQ	-0.5pp	11.6%	12.6%	12.5%	59%
CRE	14.3% -2.7pp YoY -0.6pp QoQ	-25.2pp	39.5%	28.8%	41.4%	10%
1-4 Family	65.9% +2.6pp YoY +0.4pp QoQ	+33.3pp	32.6%	26.7%	31.3%	93%
Consumer	3.1% -0.3pp YoY -0.1pp QoQ	-1.0pp	4.1%	4.6%	5.0%	61%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	10.1% -0.1pp YoY -0.3pp QoQ	-2.0pp	12.2%	12.6%	12.6%	34%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	16 0 YoY 0 QoQ	-43	58	70	482	5%
Assets per Employee ($)	$7.2M +5.7% YoY +7.3% QoQ	-$298K	$7.5M	$7.1M	$8.8M	56%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	9%
Allowance Coverage	37.82x +165.5% YoY +29.8% QoQ	+13.67x	24.15x	22.44x	20.23x	93%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	13%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	9.7% +0.5pp YoY +2.4pp QoQ	-2.5pp	12.2%	14.3%	11.6%	35%
Cost of Funds (YTD)	1.7% 0.0pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	53%
Net Income ($, YTD)	$538,000 +14.5% YoY — QoQ	-$2.0M	$2.6M	$3.7M	$40.4M	12%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk

#311 of 661 • Bottom 46.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.14%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

174

Loan-to-Deposit Ratio

liquidity

Value: 46.14%

Peer Median: 77.95%

#174 of 2643 Top 6.5% in $100M-$1B

392

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#392 of 2643 Top 14.8% in $100M-$1B

489

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#489 of 2633 Top 18.5% in $100M-$1B

Top Weaknesses (5 metrics)

2577

Total Loans

size

Value: $47.35M

Peer Median: $258.35M

#2577 of 2643 Bottom 2.5% in $100M-$1B

2529

Total Assets

size

Value: $115.53M

Peer Median: $386.57M

#2529 of 2643 Bottom 4.4% in $100M-$1B

2486

Total Deposits

size

Value: $102.63M

Peer Median: $326.73M

#2486 of 2643 Bottom 6.0% in $100M-$1B

2351

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.99%

#2351 of 2643 Bottom 11.1% in $100M-$1B

2312

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.91%

#2312 of 2643 Bottom 12.6% in $100M-$1B