BlastPoint's Banking Scorecard
The Wilson State Bank
Wilson, KS
4 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 +2.5% year over year ($108.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.22%.
- Efficiency ratio 67.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Wilson State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.10% below tier average
- - Net Interest Margin 0.11% below tier average
- - Efficiency Ratio 2.82% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.1M
+0.8% YoY
-3.6% QoQ
|
-$263.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.6% in tier |
| Total Loans ? |
$86.0M
+4.0% YoY
+3.2% QoQ
|
-$172.4M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.9% in tier |
| Total Deposits ? |
$108.2M
+2.5% YoY
-1.7% QoQ
|
-$218.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.0% in tier |
| Return on Assets ? |
1.22%
+9.9% YoY
+8.9% QoQ
|
-0.10% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.87%
+4.6% YoY
+1.9% QoQ
|
-0.11% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
67.30%
-2.3% YoY
-4.1% QoQ
|
+2.82% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
0.00%
-98.5% YoY
-92.5% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 12.8% in tier |
| Loan-to-Deposit Ratio ? |
79.45%
+1.4% YoY
+5.0% QoQ
|
+1.49% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
24.23%
+3.3% YoY
-2.4% QoQ
|
+2.20% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.00%
-98.5% YoY
-92.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 11.8% in tier |
| Tier 1 Capital Ratio ? |
12.52%
+0.2% YoY
-0.2% QoQ
|
-3.39% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.11%
-7.8% YoY
+105.8% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
20% |
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 |
24.2%
+0.8pp YoY -0.6pp QoQ |
+2.1pp | 22.1% | 22.3% | 22.2% | 63% |
| 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 |
19.4%
-0.9pp YoY -0.5pp QoQ |
+7.9pp | 11.6% | 12.6% | 12.5% | 87% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
33.5%
-2.8pp YoY -1.5pp QoQ |
+0.8pp | 32.6% | 26.7% | 31.3% | 58% |
| Consumer |
3.6%
-0.5pp YoY 0.0pp QoQ |
-0.5pp | 4.1% | 4.6% | 5.0% | 67% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.5%
0.0pp YoY 0.0pp QoQ |
-6.3pp | 18.8% | 23.3% | 19.7% | 23% |
| Leverage Ratio |
9.5%
+0.3pp YoY +0.2pp QoQ |
-2.7pp | 12.2% | 12.6% | 12.6% | 21% |
| Total Capital Ratio |
13.3%
-0.2pp YoY -0.1pp QoQ |
-6.6pp | 19.9% | 24.4% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-3 (-11.5%) YoY -1 (-4.2%) QoQ |
-36 | 58 | 70 | 482 | 15% |
| Assets per Employee ($) |
$5.4M
+13.9% YoY +0.6% QoQ |
-$2.2M | $7.5M | $7.1M | $8.8M | 20% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.4% | 0.4% | 10% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
247.33x
+5377.5% YoY +1147.9% QoQ |
+223.18x | 24.15x | 22.44x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
0.4%
-0.2pp QoQ |
+0.2pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
-0.7pp YoY +1.0pp QoQ |
+2.5pp | 12.2% | 14.3% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 28% |
| Net Income ($, YTD) |
$751,000
+11.6% YoY — QoQ |
-$1.8M | $2.6M | $3.7M | $40.4M | 18% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.