BlastPoint's Banking Scorecard

Bison State Bank

$100M-$1B Specialty: Commercial KS FDIC cert 14083

Bison, KS

2 branches across KS · MO

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 +8.8% year over year ($99.0M on the books).
Delinquency rate 0.32%.
Return on assets 1.01%.
Efficiency ratio 85.05% vs a 64.48% peer average.
Loan-to-deposit ratio 99.15% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Bison State Bank has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 13.9% in tier
+ Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 35.2% in tier
- Efficiency Ratio 20.57% above tier average
- ROA 0.31% below tier average

Get updates when Bison State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$125.8M +23.9% YoY -12.2% QoQ	-$260.7M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Bottom 7.3% in tier
Total Loans ?	$98.2M +38.4% YoY -15.7% QoQ	-$160.2M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	18%
Total Deposits ?	$99.0M +8.8% YoY -2.4% QoQ	-$227.7M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Bottom 5.2% in tier
Return on Assets ?	1.01% +189.4% YoY -38.2% QoQ	-0.31%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	34%
Net Interest Margin ?	4.00% +4.9% YoY +7.4% QoQ	+0.01%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	53%
Efficiency Ratio ?	85.05% -13.4% YoY +8.5% QoQ	+20.57%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Bottom 8.9% in tier
Delinquency Rate ?	0.32% -58.1% YoY +162.1% QoQ	-0.59%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	56%
Loan-to-Deposit Ratio ?	99.15% +27.2% YoY -13.6% QoQ	+21.20%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 11.2% in tier
Non-Interest-Bearing Deposit Share ?	19.18% -45.7% YoY -0.7% QoQ	-2.85%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	41%
Nonperforming Asset Ratio ?	0.25% -53.2% YoY +151.7% QoQ	-0.42%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	56%
Tier 1 Capital Ratio ?	10.26% +11.7% YoY +3.7% QoQ	-5.65%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 13.8% in tier
Non-Interest Income / Assets ?	3.07% +95.9% YoY +89.2% QoQ	+2.51%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 1.2% in tier

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	19.2% -16.1pp YoY -0.1pp QoQ	-3.0pp	22.1%	22.3%	22.2%	41%
Brokered Deposits	20.1% +7.9pp YoY +1.5pp QoQ	+12.3pp	7.9%	8.7%	8.5%	90%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	6.6% +2.5pp YoY +4.2pp QoQ	-4.9pp	11.6%	12.6%	12.5%	30%
CRE	51.2% +4.9pp YoY +6.3pp QoQ	+11.7pp	39.5%	28.8%	41.4%	72%
1-4 Family	39.5% -2.6pp YoY -11.5pp QoQ	+6.9pp	32.6%	26.7%	31.3%	69%
Consumer	0.9% -4.4pp YoY +0.4pp QoQ	-3.2pp	4.1%	4.6%	5.0%	25%

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	10.3% +1.1pp YoY +0.4pp QoQ	-1.9pp	12.2%	12.6%	12.6%	37%
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	51 +12 (+30.8%) YoY -2 (-3.8%) QoQ	-8	58	70	482	54%
Assets per Employee ($)	$2.5M -5.3% YoY -8.8% QoQ	-$5.1M	$7.5M	$7.1M	$8.8M	1%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.6pp YoY	-0.1pp	0.3%	0.4%	0.4%	66%
Nonaccrual	0.1% 0.0pp QoQ	-0.8pp	0.9%	0.8%	1.0%	21%
Allowance Coverage	2.96x +139.7% YoY -53.3% QoQ	-21.20x	24.15x	22.44x	20.23x	58%
Net Charge-off Rate (YTD)	-0.0% -2.6pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	10.1% +22.1pp YoY -6.7pp QoQ	-2.1pp	12.2%	14.3%	11.6%	37%
Cost of Funds (YTD)	2.9% +0.4pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.6%	1.7%	97%
Net Income ($, YTD)	$662,000 +218.4% YoY — QoQ	-$1.9M	$2.6M	$3.7M	$40.4M	15%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#93 of 661 • Top 13.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 3.07%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.01%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#58 of 162 • Bottom 35.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 19.18%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 3.07%

Peer Median: 0.57%

#32 of 2643 Top 1.2% in $100M-$1B

Top Weaknesses (6 metrics)

2507

Total Deposits

size

Value: $99.03M

Peer Median: $326.73M

#2507 of 2643 Bottom 5.2% in $100M-$1B

2451

Total Assets

size

Value: $125.85M

Peer Median: $386.57M

#2451 of 2643 Bottom 7.3% in $100M-$1B

2410

Efficiency Ratio

profitability

Value: 85.05%

Peer Median: 64.48%

#2410 of 2643 Bottom 8.9% in $100M-$1B

2347

Loan-to-Deposit Ratio

liquidity

Value: 99.15%

Peer Median: 77.95%

#2347 of 2643 Bottom 11.2% in $100M-$1B

2280

Tier 1 Capital Ratio

capital

Value: 10.26%

Peer Median: 15.91%

#2280 of 2643 Bottom 13.8% in $100M-$1B

2159

Total Loans

size

Value: $98.18M

Peer Median: $258.35M

#2159 of 2643 Bottom 18.4% in $100M-$1B