BlastPoint's Banking Scorecard
The Baxter State Bank
Designations: ✓ Community bank
Baxter Springs, 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 +16.3% year over year ($19.2M on the books).
- Delinquency rate 1.13%.
- Return on assets 1.24%.
- Efficiency ratio 78.51% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Baxter State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.02% above tier average
- + Non-Interest-Bearing Deposit Share 22.13% above tier average
- + ROA 0.24% above tier average
- + Efficiency Ratio 40.88% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.2M
+4.8% YoY
+0.5% QoQ
|
-$37.3M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.6% in tier |
| Total Loans ? |
$12.1M
-6.9% YoY
-4.6% QoQ
|
-$22.8M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.1% in tier |
| Total Deposits ? |
$19.2M
+16.3% YoY
+0.2% QoQ
|
-$32.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.8% in tier |
| Return on Assets ? |
1.24%
+80.7% YoY
+26.4% QoQ
|
+0.24% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
5.94%
+8.8% YoY
+2.5% QoQ
|
+2.02% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 3.0% in tier |
| Efficiency Ratio ? |
78.51%
-9.0% YoY
-4.8% QoQ
|
-40.88% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
1.13%
-51.0% YoY
+120.9% QoQ
|
-0.35% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
63.00%
-19.9% YoY
-4.8% QoQ
|
-11.21% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
45.61%
-3.9% YoY
-5.1% QoQ
|
+22.13% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 4.7% in tier |
| Nonperforming Asset Ratio ? |
0.73%
-43.7% YoY
+63.4% QoQ
|
-0.10% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
19.75%
-12.2% YoY
-0.4% QoQ
|
-7.38% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.29%
+16.1% YoY
+120.1% QoQ
|
-1.09% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
83% |
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 |
45.6%
-1.9pp YoY -2.4pp QoQ |
+21.0pp | 24.6% | 22.3% | 22.2% | 95% |
| 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 |
8.9%
+2.0pp YoY -0.3pp QoQ |
-4.5pp | 13.4% | 12.6% | 12.5% | 46% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
68.6%
+4.0pp YoY +0.9pp QoQ |
+33.6pp | 35.0% | 26.7% | 31.3% | 85% |
| Consumer |
14.8%
-1.7pp YoY +0.2pp QoQ |
+7.1pp | 7.7% | 4.6% | 5.0% | 88% |
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 |
19.7%
-2.7pp YoY -0.1pp QoQ |
+2.1pp | 17.7% | 12.6% | 12.6% | 84% |
| 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 |
7
0 YoY +1 (+16.7%) QoQ |
-5 | 12 | 70 | 482 | 20% |
| Assets per Employee ($) |
$3.6M
+4.8% YoY -13.8% QoQ |
-$2.6M | $6.2M | $7.1M | $8.8M | 14% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.1pp YoY +0.6pp QoQ |
-0.3pp | 1.0% | 0.4% | 0.4% | 61% |
| Nonaccrual |
0.5%
-1.3pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 0.8% | 1.0% | 38% |
| Allowance Coverage |
1.53x
+138.4% YoY -52.6% QoQ |
-4.88x | 6.41x | 22.44x | 20.23x | 53% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.2%
+3.4pp YoY +1.3pp QoQ |
-0.2pp | 6.4% | 14.3% | 11.6% | 39% |
| Cost of Funds (YTD) |
0.3%
-0.1pp YoY 0.0pp QoQ |
-1.1pp | 1.4% | 1.6% | 1.7% | 4% |
| Net Income ($, YTD) |
$153,000
+82.1% YoY — QoQ |
-$165K | $317,817 | $3.7M | $40.4M | 30% |
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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.