BlastPoint's Banking Scorecard
The Baxter State Bank
Designations: ✓ Community bank
Baxter Springs, KS
The Baxter State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.92% above tier average
- + Non-Interest-Bearing Deposit Share 24.28% above tier average
- + ROA 0.12% above tier average
- + Efficiency Ratio 5.17% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.0M
+2.5% YoY
+4.4% QoQ
|
-$37.3M |
$62.3M
-0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
Bottom 7.6% in tier |
| Total Loans ? |
$12.7M
-1.0% YoY
-0.9% QoQ
|
-$21.6M |
$34.3M
-1.5% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
Bottom 14.7% in tier |
| Total Deposits ? |
$19.2M
+12.9% YoY
+6.0% QoQ
|
-$32.6M |
$51.8M
-0.6% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
Bottom 8.0% in tier |
| Return on Assets ? |
0.98%
+78.5% YoY
+188.2% QoQ
|
+0.12% |
0.86%
-3.6% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
52% |
| Net Interest Margin ? |
5.79%
+9.1% YoY
+3.6% QoQ
|
+1.92% |
3.87%
+2.7% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
Top 3.0% in tier |
| Efficiency Ratio ? |
82.46%
-6.5% YoY
-30.8% QoQ
|
-5.17% |
87.63%
+2.3% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
31% |
| Delinquency Rate ? |
0.51%
-84.9% YoY
-73.2% QoQ
|
-0.85% |
1.36%
+33.7% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
66.18%
-12.3% YoY
-6.5% QoQ
|
+2.07% |
64.11%
-0.9% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
48.06%
-0.3% YoY
+4.5% QoQ
|
+24.28% |
23.79%
+0.5% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
Top 4.1% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-75.6% YoY
-63.3% QoQ
|
-0.33% |
0.77%
+28.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
19.83%
-9.0% YoY
-1.3% QoQ
|
-6.94% |
26.77%
+2.0% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.13%
+23.8% YoY
-80.8% QoQ
|
-0.54% |
0.67%
+1.6% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
80% |
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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
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