BlastPoint's Banking Scorecard

Commercial Bank

$100M-$1B Specialty: Other KS FDIC cert 11777

Parsons, KS

8 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 +4.4% year over year ($354.2M on the books).
Delinquency rate 0.73%.
Return on assets 0.82%.
Efficiency ratio 70.80% vs a 64.48% peer average.
Loan-to-deposit ratio 48.75% 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) →

Commercial Bank has 1 strength but faces 3 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 0.19% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.3% in tier
- Net Interest Margin 0.50% below tier average
- Efficiency Ratio 6.32% above tier average

Get updates when Commercial 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 ?	$382.2M +4.4% YoY -0.4% QoQ	-$4.4M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	58%
Total Loans ?	$172.7M +2.6% YoY -0.9% QoQ	-$85.7M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$354.2M +4.4% YoY +0.2% QoQ	+$27.5M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	0.82% -52.3% YoY -12.2% QoQ	-0.50%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.49% +5.9% YoY +4.9% QoQ	-0.50%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	70.80% +5.6% YoY +3.2% QoQ	+6.32%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	0.73% -30.0% YoY +1.1% QoQ	-0.19%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	48.75% -1.7% YoY -1.1% QoQ	-29.20%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 7.8% in tier
Non-Interest-Bearing Deposit Share ?	17.70% -8.9% YoY -11.2% QoQ	-4.33%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.33% -31.3% YoY +0.6% QoQ	-0.34%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	50%
Tier 1 Capital Ratio ?	16.24% -0.3% YoY -0.9% QoQ	+0.33%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.35% -34.7% YoY +37.5% QoQ	-0.22%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	79%

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	17.7% -1.7pp YoY -2.2pp QoQ	-4.5pp	22.1%	22.3%	22.2%	34%
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	19.0% 0.0pp YoY -1.5pp QoQ	+7.4pp	11.6%	12.6%	12.5%	86%
CRE	14.6% +1.0pp YoY -0.6pp QoQ	-24.9pp	39.5%	28.8%	41.4%	10%
1-4 Family	35.4% -1.3pp YoY -0.4pp QoQ	+2.8pp	32.6%	26.7%	31.3%	62%
Consumer	12.3% -1.9pp YoY -0.9pp QoQ	+8.2pp	4.1%	4.6%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	16.2% 0.0pp YoY -0.1pp QoQ	-2.6pp	18.8%	23.3%	19.7%	59%
Leverage Ratio	8.3% -0.5pp YoY -0.9pp QoQ	-3.8pp	12.2%	12.6%	12.6%	4%
Total Capital Ratio	17.4% 0.0pp YoY -0.1pp QoQ	-2.5pp	19.9%	24.4%	20.8%	60%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	68 0 YoY +1 (+1.5%) QoQ	+9	58	70	482	69%
Assets per Employee ($)	$5.6M +4.4% YoY -1.9% QoQ	-$1.9M	$7.5M	$7.1M	$8.8M	25%
Branch Count	8 0 YoY 0 QoQ	+3	4	6	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.4%	49%
Nonaccrual	0.6% -0.4pp YoY 0.0pp QoQ	-0.3pp	0.9%	0.8%	1.0%	59%
Allowance Coverage	1.85x +39.3% YoY +1.0% QoQ	-22.30x	24.15x	22.44x	20.23x	45%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	11.0% -14.7pp YoY -1.0pp QoQ	-1.2pp	12.2%	14.3%	11.6%	43%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	15%
Net Income ($, YTD)	$1.6M -50.3% YoY — QoQ	-$985K	$2.6M	$3.7M	$40.4M	43%

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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)

Margin Compression

decline

#8 of 307 • Bottom 2.3% 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: 0.82%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

206

Loan-to-Deposit Ratio

liquidity

Value: 48.75%

Peer Median: 77.95%

#206 of 2643 Top 7.8% in $100M-$1B

543

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#543 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (1 metrics)

1999

Return on Assets

profitability

Value: 0.82%

Peer Median: 1.32%

#1999 of 2643 Bottom 24.4% in $100M-$1B