BlastPoint's Banking Scorecard
First State Bank and Trust
Tonganoxie, KS
8 branches across 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 +5.9% year over year ($457.6M on the books).
- Delinquency rate 0.49%.
- Return on assets 1.18%.
- Efficiency ratio 67.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank and Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency Ratio 3.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$514.9M
+5.6% YoY
+0.7% QoQ
|
+$128.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$332.9M
-4.7% YoY
-1.3% QoQ
|
+$74.6M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$457.6M
+5.9% YoY
+1.5% QoQ
|
+$130.9M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.18%
+51.7% YoY
+5.6% QoQ
|
-0.14% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
46% |
| Net Interest Margin ? |
4.45%
+7.4% YoY
+1.7% QoQ
|
+0.46% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
67.83%
-7.7% YoY
-1.2% QoQ
|
+3.35% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.49%
-57.1% YoY
-65.3% QoQ
|
-0.43% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
72.74%
-10.0% YoY
-2.7% QoQ
|
-5.21% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
25.97%
+5.9% YoY
+1.3% QoQ
|
+3.94% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.74%
-8.7% YoY
-20.8% QoQ
|
+0.08% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
12.11%
+14.6% YoY
+3.8% QoQ
|
-3.80% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.46%
+11.9% YoY
+107.1% QoQ
|
-0.10% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 10.6% in tier |
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 |
26.0%
+1.5pp YoY +0.3pp QoQ |
+3.8pp | 22.1% | 22.3% | 22.2% | 69% |
| 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 |
6.6%
+0.2pp YoY +0.8pp QoQ |
-4.9pp | 11.6% | 12.6% | 12.5% | 30% |
| CRE |
55.5%
-2.7pp YoY +0.1pp QoQ |
+15.9pp | 39.5% | 28.8% | 41.4% | 79% |
| 1-4 Family |
22.8%
+1.6pp YoY -0.3pp QoQ |
-9.8pp | 32.6% | 26.7% | 31.3% | 36% |
| Consumer |
4.5%
-1.0pp YoY -0.1pp QoQ |
+0.4pp | 4.1% | 4.6% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
+1.5pp YoY +0.4pp QoQ |
-6.7pp | 18.8% | 23.3% | 19.7% | 18% |
| Leverage Ratio |
8.6%
+0.2pp YoY -0.1pp QoQ |
-3.5pp | 12.2% | 12.6% | 12.6% | 8% |
| Total Capital Ratio |
13.4%
+1.6pp YoY +0.4pp QoQ |
-6.6pp | 19.9% | 24.4% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
95
-6 (-5.9%) YoY -2 (-2.1%) QoQ |
+36 | 58 | 70 | 482 | 85% |
| Assets per Employee ($) |
$5.4M
+12.3% YoY +2.9% QoQ |
-$2.1M | $7.5M | $7.1M | $8.8M | 21% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 6 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 5% |
| Nonaccrual |
0.5%
-0.6pp YoY -0.9pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 52% |
| Allowance Coverage |
2.78x
+148.1% YoY +166.5% QoQ |
-21.37x | 24.15x | 22.44x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.4%
+0.2pp YoY +0.3pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+4.1pp YoY +0.8pp QoQ |
+1.7pp | 12.2% | 14.3% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$3.0M
+58.1% YoY — QoQ |
+$407K | $2.6M | $3.7M | $40.4M | 69% |
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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.