BlastPoint's Banking Scorecard

The Baldwin State Bank

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

Baldwin City, KS

2 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Baldwin State Bank has 1 strength but faces 5 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 0.84% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 13.1% in tier
- Capital Thin: Bottom 26.3% in tier
- Flatlined Growth: Bottom 36.9% in tier
- Net Interest Margin 0.91% below tier average
- Efficiency Ratio 9.89% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$107.7M +1.6% YoY +1.7% QoQ	-$278.4M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 2.4% in tier
Total Loans ?	$46.7M -2.3% YoY -2.6% QoQ	-$209.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 2.5% in tier
Total Deposits ?	$95.1M +1.2% YoY +2.7% QoQ	-$232.9M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 4.1% in tier
Return on Assets ?	0.76% -17.7% YoY -19.1% QoQ	-0.51%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	23%
Net Interest Margin ?	3.02% +1.7% YoY -1.0% QoQ	-0.91%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Bottom 12.0% in tier
Efficiency Ratio ?	75.17% +5.8% YoY +6.7% QoQ	+9.89%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.05% -52.1% YoY -39.0% QoQ	-0.84%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	80%
Loan-to-Deposit Ratio ?	49.13% -3.4% YoY -5.1% QoQ	-27.51%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 8.7% in tier
Non-Interest-Bearing Deposit Share ?	25.64% -10.1% YoY +0.9% QoQ	+3.62%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	68%
Nonperforming Asset Ratio ?	0.02% -53.9% YoY -41.6% QoQ	-0.62%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	83%
Tier 1 Capital Ratio ?	10.46% +3.4% YoY -1.3% QoQ	-5.37%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.08% -6.0% YoY -77.5% QoQ	-0.20%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	39%

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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 (3)

Margin Compression

decline

#41 of 305 • Bottom 13.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.76%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Thin

risk

#176 of 666 • Bottom 26.3% 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: 10.46%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#190 of 512 • Bottom 36.9% in tier

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: 0.76%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

233

Loan-to-Deposit Ratio

liquidity

Value: 49.13%

Peer Median: 76.64%

#233 of 2664 Top 8.7% in $100M-$1B

448

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#448 of 2664 Top 16.8% in $100M-$1B

534

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.89%

#534 of 2654 Top 20.1% in $100M-$1B

Top Weaknesses (7 metrics)

2602

Total Assets

size

Value: $107.68M

Peer Median: $386.08M

#2602 of 2664 Bottom 2.4% in $100M-$1B

2599

Total Loans

size

Value: $46.70M

Peer Median: $255.72M

#2599 of 2664 Bottom 2.5% in $100M-$1B

2556

Total Deposits

size

Value: $95.05M

Peer Median: $327.97M

#2556 of 2664 Bottom 4.1% in $100M-$1B

2345

Net Interest Margin

profitability

Value: 3.02%

Peer Median: 3.93%

#2345 of 2664 Bottom 12.0% in $100M-$1B

2245

Tier 1 Capital Ratio

capital

Value: 10.46%

Peer Median: 15.83%

#2245 of 2664 Bottom 15.8% in $100M-$1B

2077

Efficiency Ratio

profitability

Value: 75.17%

Peer Median: 65.29%

#2077 of 2664 Bottom 22.1% in $100M-$1B

2039

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.27%

#2039 of 2664 Bottom 23.5% in $100M-$1B