BlastPoint's Banking Scorecard
First State Bank and Trust
Tonganoxie, KS
8 branches across KS
First State Bank and Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Efficiency Ratio 3.35% above tier average
- - Delinquency Rate 0.52% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$511.1M
+4.9% YoY
+6.3% QoQ
|
+$125.0M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$337.1M
-1.9% YoY
-0.8% QoQ
|
+$81.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$451.0M
+4.6% YoY
+7.0% QoQ
|
+$123.0M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
1.12%
+85.6% YoY
+22.4% QoQ
|
-0.15% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
4.37%
+9.3% YoY
+1.7% QoQ
|
+0.44% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
68.64%
-14.6% YoY
-4.1% QoQ
|
+3.35% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
1.41%
+19.6% YoY
+12.4% QoQ
|
+0.52% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
74.75%
-6.2% YoY
-7.4% QoQ
|
-1.89% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
25.65%
+4.2% YoY
-1.5% QoQ
|
+3.63% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.94%
+13.2% YoY
+6.2% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
11.67%
+8.5% YoY
+3.2% QoQ
|
-4.16% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.22%
+27.7% YoY
-76.9% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 11.1% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.