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 1.93% above tier average
- + Non-Interest-Bearing Deposit Share 24.35% above tier average
- + ROA 0.14% above tier average
- + Efficiency Ratio 5.89% below tier average
- + Delinquency Rate 0.86% 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
|
-$37.1M |
$62.2M
-0.6% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 7.9% in tier |
| Total Loans ? |
$12.7M
-1.0% YoY
-0.9% QoQ
|
-$21.5M |
$34.2M
-1.4% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.8% in tier |
| Total Deposits ? |
$19.2M
+12.9% YoY
+6.0% QoQ
|
-$32.6M |
$51.7M
-0.7% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.3% in tier |
| Return on Assets ? |
0.98%
+78.5% YoY
+188.2% QoQ
|
+0.14% |
0.84%
-2.3% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
5.79%
+9.1% YoY
+3.6% QoQ
|
+1.93% |
3.86%
+2.8% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Top 3.0% in tier |
| Efficiency Ratio ? |
82.46%
-6.5% YoY
-30.8% QoQ
|
-5.89% |
88.34%
+0.3% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.51%
-84.9% YoY
-73.2% QoQ
|
-0.86% |
1.37%
+33.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
66.18%
-12.3% YoY
-6.5% QoQ
|
+1.97% |
64.22%
-0.7% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
48.06%
-0.3% YoY
+4.5% QoQ
|
+24.35% |
23.71%
+0.3% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 4.1% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-75.6% YoY
-63.3% QoQ
|
-0.34% |
0.79%
+28.2% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
19.83%
-9.0% YoY
-1.3% QoQ
|
-6.85% |
26.68%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.13%
+23.8% YoY
-80.8% QoQ
|
-0.53% |
0.67%
+1.9% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% 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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