BlastPoint's Banking Scorecard
The Wilson State Bank
Wilson, KS
4 branches across KS
The Wilson State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 15.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 4.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$127.7M
+4.1% YoY
+7.3% QoQ
|
-$258.4M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.2% in tier |
| Total Loans ? |
$83.3M
-0.6% YoY
-1.6% QoQ
|
-$172.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.7% in tier |
| Total Deposits ? |
$110.1M
+3.4% YoY
+8.3% QoQ
|
-$217.9M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.7% in tier |
| Return on Assets ? |
1.12%
+11.0% YoY
+3.1% QoQ
|
-0.15% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.80%
+2.6% YoY
-0.1% QoQ
|
-0.13% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
70.17%
-1.0% YoY
+0.2% QoQ
|
+4.88% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.05%
-10.8% YoY
-76.7% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
75.70%
-3.9% YoY
-9.2% QoQ
|
-0.94% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
24.82%
-34.1% YoY
+3.8% QoQ
|
+2.80% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.03%
-14.8% YoY
-78.6% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
81% |
| Tier 1 Capital Ratio ? |
12.54%
+3.3% YoY
-1.5% QoQ
|
-3.29% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.05%
-0.9% YoY
-77.9% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
20% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.