BlastPoint's Banking Scorecard
The Fidelity State Bank and Trust Company
Dodge City, KS
3 branches across KS
The Fidelity State Bank and Trust Company has 5 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 9.0% in tier
- + Revenue Diversifier: Top 35.6% in tier
- + Efficiency Ratio 20.07% below tier average
- + Non-Interest-Bearing Deposit Share 13.83% above tier average
- + Delinquency Rate 0.66% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 1.5% in tier
- - Deposit Outflow: Bottom 5.5% in tier
- - Credit Quality Pressure: Bottom 21.6% in tier
- - Liquidity Overhang: Bottom 47.9% in tier
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.6M
+0.3% YoY
-1.7% QoQ
|
-$186.5M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$19.6M
+0.8% YoY
-6.5% QoQ
|
-$236.1M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 0.6% in tier |
| Total Deposits ? |
$152.1M
-2.0% YoY
-2.8% QoQ
|
-$175.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
2.47%
+35.9% YoY
+46.8% QoQ
|
+1.20% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
Top 5.1% in tier |
| Net Interest Margin ? |
3.62%
+2.6% YoY
-1.3% QoQ
|
-0.31% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
36% |
| Efficiency Ratio ? |
45.22%
-0.3% YoY
-8.8% QoQ
|
-20.07% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Top 9.2% in tier |
| Delinquency Rate ? |
0.23%
+78.6% YoY
+6.9% QoQ
|
-0.66% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
12.90%
+2.8% YoY
-3.7% QoQ
|
-63.74% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 0.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.85%
-10.2% YoY
+3.4% QoQ
|
+13.83% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.9% in tier |
| Nonperforming Asset Ratio ? |
0.02%
+79.5% YoY
+1.8% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
152.49%
+9.7% YoY
+5.4% QoQ
|
+136.66% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 0.3% in tier |
| Non-Interest Income / Assets ? |
0.16%
+14.6% YoY
-74.0% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
76% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.