BlastPoint's Banking Scorecard
Guaranty State Bank and Trust Company
Beloit, KS
9 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 +4.8% year over year ($324.6M on the books).
- Delinquency rate 0.60%.
- Return on assets 1.05%.
- Efficiency ratio 63.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Guaranty State Bank and Trust Company has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.42% below tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 29.0% in tier
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$381.4M
+1.7% YoY
-1.3% QoQ
|
-$5.1M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
58% |
| Total Loans ? |
$256.3M
+1.8% YoY
+2.4% QoQ
|
-$2.0M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$324.6M
+4.8% YoY
-2.6% QoQ
|
-$2.1M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.05%
-12.2% YoY
-18.4% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
3.29%
+5.6% YoY
+3.8% QoQ
|
-0.69% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
63.06%
+0.9% YoY
+3.9% QoQ
|
-1.42% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
0.60%
-18.0% YoY
-22.6% QoQ
|
-0.32% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
78.96%
-2.9% YoY
+5.1% QoQ
|
+1.00% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
+0.8% YoY
-3.9% QoQ
|
-1.24% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.40%
-18.0% YoY
-19.7% QoQ
|
-0.26% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
11.60%
-3.0% YoY
+3.1% QoQ
|
-4.31% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.25%
+5.8% YoY
+70.5% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
20.8%
+0.2pp YoY -0.9pp QoQ |
-1.4pp | 22.1% | 22.3% | 22.2% | 49% |
| Brokered Deposits |
1.4%
-0.1pp YoY 0.0pp QoQ |
-6.5pp | 7.9% | 8.7% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
-0.5pp YoY -1.8pp QoQ |
-1.6pp | 11.6% | 12.6% | 12.5% | 52% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
10.1%
-0.5pp YoY -0.3pp QoQ |
-22.5pp | 32.6% | 26.7% | 31.3% | 11% |
| Consumer |
2.5%
+0.4pp YoY +0.2pp QoQ |
-1.6pp | 4.1% | 4.6% | 5.0% | 54% |
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 |
11.6%
-0.4pp YoY +0.4pp QoQ |
-0.6pp | 12.2% | 12.6% | 12.6% | 60% |
| 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 |
59
-3 (-4.8%) YoY +3 (+5.4%) QoQ |
+0 | 58 | 70 | 482 | 62% |
| Assets per Employee ($) |
$6.5M
+6.9% YoY -6.3% QoQ |
-$1.1M | $7.5M | $7.1M | $8.8M | 42% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 6 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.1% | -0.3pp | 0.3% | 0.4% | 0.4% | 42% |
| Nonaccrual |
0.5%
-0.2pp YoY -0.2pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 55% |
| Allowance Coverage |
1.85x
+22.3% YoY +26.3% QoQ |
-22.31x | 24.15x | 22.44x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
-2.6pp YoY -2.5pp QoQ |
-1.7pp | 12.2% | 14.3% | 11.6% | 40% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 71% |
| Net Income ($, YTD) |
$2.0M
-10.2% YoY — QoQ |
-$533K | $2.6M | $3.7M | $40.4M | 53% |
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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 (1)
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.