BlastPoint's Banking Scorecard

The Peoples Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 1147

Pratt, KS

5 branches across KS

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

The Peoples Bank has 4 strengths but faces 1 concern

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

+ Revenue Diversifier: Top 0.1% in tier
+ Profitability Leader: Top 0.2% in tier
+ Efficiency Ratio 26.88% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.33% below 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 ?	$548.1M +4.6% YoY -1.4% QoQ	+$162.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$260.6M +3.4% YoY -1.7% QoQ	+$4.9M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$504.7M +6.0% YoY -2.3% QoQ	+$176.7M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	3.54% +120.9% YoY +117.0% QoQ	+2.27%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 0.9% in tier
Net Interest Margin ?	3.60% +4.1% YoY +3.7% QoQ	-0.33%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	38.40% -34.7% YoY -32.5% QoQ	-26.88%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 2.8% in tier
Delinquency Rate ?	0.26% -15.6% YoY -67.5% QoQ	-0.63%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	51.64% -2.4% YoY +0.6% QoQ	-25.00%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 10.9% in tier
Non-Interest-Bearing Deposit Share ?	32.91% +10.4% YoY -1.7% QoQ	+10.89%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Top 12.7% in tier
Nonperforming Asset Ratio ?	0.96% +5.1% YoY -19.7% QoQ	+0.32%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	15.22% +1.8% YoY +5.3% QoQ	-0.61%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.74% +159.1% YoY -33.0% QoQ	+0.46%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 2.2% in tier

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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 (2)

Revenue Diversifier

growth

#1 of 666 • Top 0.1% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.74%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.54%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Profitability Leader

growth

#2 of 666 • Top 0.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.54%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (7 metrics)

Return on Assets

profitability

Value: 3.54%

Peer Median: 1.27%

#25 of 2664 Top 0.9% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.74%

Peer Median: 0.28%

#59 of 2664 Top 2.2% in $100M-$1B

Efficiency Ratio

profitability

Value: 38.40%

Peer Median: 65.29%

#75 of 2664 Top 2.8% in $100M-$1B

292

Loan-to-Deposit Ratio

liquidity

Value: 51.64%

Peer Median: 76.64%

#292 of 2664 Top 10.9% in $100M-$1B

339

Non-Interest-Bearing Deposit Share

funding

Value: 32.91%

Peer Median: 22.02%

#339 of 2664 Top 12.7% in $100M-$1B

528

Total Deposits

size

Value: $504.66M

Peer Median: $327.97M

#528 of 2664 Top 19.8% in $100M-$1B

632

Total Assets

size

Value: $548.08M

Peer Median: $386.08M

#632 of 2664 Top 23.7% in $100M-$1B

Top Weaknesses (1 metrics)

2117

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.64%

#2117 of 2664 Bottom 20.6% in $100M-$1B