BlastPoint's Banking Scorecard
First National Bank in Fredonia
Fredonia, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +6.3% year over year ($92.5M on the books).
- Delinquency rate 0.65%.
- Return on assets 1.41%.
- Efficiency ratio 59.23% vs a 64.48% peer average.
- Loan-to-deposit ratio 31.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank in Fredonia has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 5.25% below tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.74% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.4M
+6.9% YoY
+3.1% QoQ
|
-$282.2M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.1% in tier |
| Total Loans ? |
$29.4M
+2.0% YoY
-1.7% QoQ
|
-$228.9M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.0% in tier |
| Total Deposits ? |
$92.5M
+6.3% YoY
+3.1% QoQ
|
-$234.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.3% in tier |
| Return on Assets ? |
1.41%
+2.6% YoY
+4.4% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.24%
-3.3% YoY
+0.2% QoQ
|
-0.74% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
59.23%
-1.4% YoY
-3.5% QoQ
|
-5.25% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.65%
-9.6% YoY
-16.3% QoQ
|
-0.27% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
31.81%
-4.1% YoY
-4.7% QoQ
|
-46.15% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 1.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.53%
+2.2% YoY
+4.7% QoQ
|
+1.50% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.21%
+0.8% YoY
-18.1% QoQ
|
-0.46% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
16.73%
-0.4% YoY
+1.3% QoQ
|
+0.82% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.18%
-2.3% YoY
+102.6% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
23.5%
+0.5pp YoY +1.1pp QoQ |
+1.4pp | 22.1% | 22.3% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
16.9%
+0.4pp YoY -3.3pp QoQ |
+5.4pp | 11.6% | 12.6% | 12.5% | 82% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
34.1%
+1.4pp YoY +1.6pp QoQ |
+1.4pp | 32.6% | 26.7% | 31.3% | 60% |
| Consumer |
19.5%
-2.4pp YoY +0.1pp QoQ |
+15.4pp | 4.1% | 4.6% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
16.7%
-0.1pp YoY +0.2pp QoQ |
+4.6pp | 12.2% | 12.6% | 12.6% | 93% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY 0 QoQ |
-44 | 58 | 70 | 482 | 4% |
| Assets per Employee ($) |
$7.0M
+6.9% YoY +3.1% QoQ |
-$557K | $7.5M | $7.1M | $8.8M | 51% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
-0.1pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 0.8% | 1.0% | 60% |
| Allowance Coverage |
4.73x
+6.2% YoY +19.7% QoQ |
-19.43x | 24.15x | 22.44x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
-0.5%
-0.8pp YoY +0.6pp QoQ |
-0.6pp | 0.1% | 0.1% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
-1.0pp YoY +0.5pp QoQ |
+0.3pp | 12.2% | 14.3% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$731,000
+8.6% YoY — QoQ |
-$1.8M | $2.6M | $3.7M | $40.4M | 17% |
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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.