BlastPoint's Banking Scorecard
The Dickinson County Bank
Designations: ✓ Community bank
Enterprise, 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +11.6% year over year ($19.4M on the books).
- Delinquency rate 2.14%.
- Return on assets 1.81%.
- Efficiency ratio 57.30% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.69% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Dickinson County Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.81% above tier average
- + Net Interest Margin 0.46% above tier average
- + Efficiency Ratio 62.10% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.66% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.4M
+10.5% YoY
+10.3% QoQ
|
-$39.1M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.3% in tier |
| Total Loans ? |
$14.3M
+15.8% YoY
+2.8% QoQ
|
-$20.6M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$19.4M
+11.6% YoY
+12.8% QoQ
|
-$32.2M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.1% in tier |
| Return on Assets ? |
1.81%
+2.2% YoY
-1.0% QoQ
|
+0.81% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
84% |
| Net Interest Margin ? |
4.38%
+6.0% YoY
-2.8% QoQ
|
+0.46% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
57.30%
+0.8% YoY
-0.9% QoQ
|
-62.10% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
2.14%
+13.8% YoY
+5.9% QoQ
|
+0.66% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
73.69%
+3.7% YoY
-8.9% QoQ
|
-0.52% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
12.36%
-30.2% YoY
-4.8% QoQ
|
-11.13% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
19% |
| Nonperforming Asset Ratio ? |
1.48%
+34.7% YoY
-2.3% QoQ
|
+0.65% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
13.71%
+2.0% YoY
-2.1% QoQ
|
-13.41% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.09%
+6.4% YoY
+64.8% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
34% |
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 |
12.4%
-5.3pp YoY -0.6pp QoQ |
-12.3pp | 24.6% | 22.3% | 22.2% | 15% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
21.8%
-0.3pp YoY +0.7pp QoQ |
+8.4pp | 13.4% | 12.6% | 12.5% | 82% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
48.1%
-2.0pp YoY -0.4pp QoQ |
+13.1pp | 35.0% | 26.7% | 31.3% | 70% |
| Consumer |
6.1%
-0.2pp YoY +0.6pp QoQ |
-1.6pp | 7.7% | 4.6% | 5.0% | 56% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
13.7%
+0.3pp YoY -0.3pp QoQ |
-4.0pp | 17.7% | 12.6% | 12.6% | 60% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 70 | 482 | 2% |
| Assets per Employee ($) |
$5.8M
+10.5% YoY +10.3% QoQ |
-$346K | $6.2M | $7.1M | $8.8M | 48% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY |
-0.8pp | 1.0% | 0.4% | 0.4% | 35% |
| Nonaccrual |
2.0%
+0.2pp YoY -0.1pp QoQ |
+0.2pp | 1.7% | 0.8% | 1.0% | 74% |
| Allowance Coverage |
1.05x
-31.7% YoY -5.2% QoQ |
-5.36x | 6.41x | 22.44x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.2%
-0.3pp YoY -0.1pp QoQ |
-0.3pp | 0.2% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
-0.6pp YoY +0.2pp QoQ |
+6.8pp | 6.4% | 14.3% | 11.6% | 77% |
| Cost of Funds (YTD) |
2.5%
-0.1pp YoY 0.0pp QoQ |
+1.1pp | 1.4% | 1.6% | 1.7% | 92% |
| Net Income ($, YTD) |
$197,000
+7.7% YoY — QoQ |
-$121K | $317,817 | $3.7M | $40.4M | 37% |
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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.