BlastPoint's Banking Scorecard
Bison State Bank
Bison, KS
2 branches across KS · MO
Bison State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8.9% in tier
- + ROA 0.37% above tier average
- + Delinquency Rate 0.76% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 33.8% in tier
- - Loan-to-Deposit Ratio 38.16% above tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 13.14% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$143.4M
+40.6% YoY
+16.1% QoQ
|
-$242.7M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.3% in tier |
| Total Loans ? |
$116.5M
+53.9% YoY
+19.5% QoQ
|
-$139.2M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$101.5M
+20.1% YoY
+4.0% QoQ
|
-$226.5M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.2% in tier |
| Return on Assets ? |
1.64%
+349.3% YoY
+620.1% QoQ
|
+0.37% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
3.72%
+4.0% YoY
-6.6% QoQ
|
-0.21% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
42% |
| Efficiency Ratio ? |
78.42%
-29.7% YoY
-8.6% QoQ
|
+13.14% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
0.12%
-94.2% YoY
-82.5% QoQ
|
-0.76% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
114.80%
+28.1% YoY
+14.9% QoQ
|
+38.16% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.31%
-42.7% YoY
-6.0% QoQ
|
-2.71% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.10%
-93.7% YoY
-82.0% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
9.90%
+3.0% YoY
+1.0% QoQ
|
-5.93% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.6% in tier |
| Non-Interest Income / Assets ? |
1.62%
+242.3% YoY
-60.4% QoQ
|
+1.34% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 1.2% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.