BlastPoint's Banking Scorecard
The Valley State Bank
Belle Plaine, KS
5 branches across KS
The Valley State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 23.7% in tier
- - ROA 0.55% below tier average
- - Efficiency Ratio 3.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$202.5M
+3.2% YoY
+3.7% QoQ
|
-$183.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
27% |
| Total Loans ? |
$107.9M
-0.3% YoY
-2.3% QoQ
|
-$147.8M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$175.4M
+4.5% YoY
+5.4% QoQ
|
-$152.6M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
0.72%
-25.6% YoY
-21.8% QoQ
|
-0.55% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
4.18%
+4.9% YoY
-0.9% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
68.48%
+0.1% YoY
+4.1% QoQ
|
+3.20% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.27%
-49.0% YoY
-5.0% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
61.54%
-4.5% YoY
-7.3% QoQ
|
-15.10% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
17.05%
-42.1% YoY
-39.4% QoQ
|
-4.97% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.18%
-39.4% YoY
+10.1% QoQ
|
-0.46% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.23%
+2.6% YoY
-0.7% QoQ
|
-3.60% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.07%
+54.3% YoY
-75.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
31% |
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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 (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.