BlastPoint's Banking Scorecard

Johnson State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 15237

Johnson, KS

2 branches across KS

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

Johnson State 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

+ Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.09% above tier average
- ROA 0.48% below tier average
- Net Interest Margin 0.71% below tier average
- Efficiency Ratio 15.58% 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 ?	$100.7M +11.1% YoY +7.0% QoQ	-$285.4M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 0.3% in tier
Total Loans ?	$32.0M +4.5% YoY -4.5% QoQ	-$223.7M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 1.1% in tier
Total Deposits ?	$85.1M +12.7% YoY +8.7% QoQ	-$242.8M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 1.4% in tier
Return on Assets ?	0.79% +66.0% YoY +588.3% QoQ	-0.48%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.22% +7.4% YoY +3.5% QoQ	-0.71%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	80.87% -10.7% YoY -27.3% QoQ	+15.58%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Bottom 14.5% in tier
Delinquency Rate ?	0.13% -27.3% YoY -2.4% QoQ	-0.76%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	37.61% -7.3% YoY -12.1% QoQ	-39.03%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 3.6% in tier
Non-Interest-Bearing Deposit Share ?	28.65% -0.6% YoY +5.3% QoQ	+6.63%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	78%
Nonperforming Asset Ratio ?	1.73% -34.2% YoY -6.7% QoQ	+1.09%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 8.9% in tier
Tier 1 Capital Ratio ?	15.03% -5.4% YoY -6.4% QoQ	-0.80%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.12% +60.1% YoY +140.0% QoQ	-0.16%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	63%

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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 (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 37.61%

Peer Median: 76.64%

#96 of 2664 Top 3.6% in $100M-$1B

575

Non-Interest-Bearing Deposit Share

funding

Value: 28.65%

Peer Median: 22.02%

#575 of 2664 Top 21.5% in $100M-$1B

Top Weaknesses (6 metrics)

2656

Total Assets

size

Value: $100.67M

Peer Median: $386.08M

#2656 of 2664 Bottom 0.3% in $100M-$1B

2637

Total Loans

size

Value: $32.02M

Peer Median: $255.72M

#2637 of 2664 Bottom 1.1% in $100M-$1B

2627

Total Deposits

size

Value: $85.15M

Peer Median: $327.97M

#2627 of 2664 Bottom 1.4% in $100M-$1B

2428

Nonperforming Asset Ratio

credit_quality

Value: 1.73%

Peer Median: 0.64%

#2428 of 2664 Bottom 8.9% in $100M-$1B

2280

Efficiency Ratio

profitability

Value: 80.87%

Peer Median: 65.29%

#2280 of 2664 Bottom 14.5% in $100M-$1B

2173

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2173 of 2664 Bottom 18.5% in $100M-$1B