BlastPoint's Banking Scorecard

FNB Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 14420

Goodland, KS

5 branches across KS · CO

2664 banks in the $100M-$1B peer group nationally 118 in KS

FNB Bank has 1 strength but faces 4 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

+ Net Interest Margin 0.76% above tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 4.46% above tier average
- Nonperforming Asset Ratio 2.78% above tier average
- ROA 0.06% below tier average
- Efficiency Ratio 4.47% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$286.6M +14.0% YoY +5.0% QoQ	-$99.5M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$182.7M +4.3% YoY -2.5% QoQ	-$73.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	45%
Total Deposits ?	$252.8M +15.8% YoY +6.4% QoQ	-$75.2M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.21% +2.2% YoY +58.4% QoQ	-0.06%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	4.69% +6.0% YoY +6.3% QoQ	+0.76%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 13.3% in tier
Efficiency Ratio ?	69.76% -3.9% YoY -5.0% QoQ	+4.47%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	33%
Delinquency Rate ?	5.35% +70.9% YoY -14.1% QoQ	+4.46%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 1.8% in tier
Loan-to-Deposit Ratio ?	72.28% -9.9% YoY -8.4% QoQ	-4.35%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	22.90% +4.0% YoY +0.8% QoQ	+0.88%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	3.42% +56.8% YoY -20.2% QoQ	+2.78%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 2.2% in tier
Tier 1 Capital Ratio ?	13.36% -6.4% YoY +7.3% QoQ	-2.47%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.07% -14.4% YoY -79.2% QoQ	-0.21%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	31%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

355

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.93%

#355 of 2664 Top 13.3% in $100M-$1B

Top Weaknesses (2 metrics)

2608

Delinquency Rate

credit_quality

Value: 5.35%

Peer Median: 0.89%

#2608 of 2654 Bottom 1.8% in $100M-$1B

2606

Nonperforming Asset Ratio

credit_quality

Value: 3.42%

Peer Median: 0.64%

#2606 of 2664 Bottom 2.2% in $100M-$1B