BlastPoint's Banking Scorecard
Johnson State Bank
Designations: ✓ Community bank
Johnson, KS
2 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +12.3% year over year ($80.7M on the books).
- Delinquency rate 0.13%.
- Return on assets 0.93%.
- Efficiency ratio 74.47% vs a 119.40% peer average.
- Loan-to-deposit ratio 42.56% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Johnson State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 44.92% below tier average
- + Delinquency Rate 1.35% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
- - Net Interest Margin 0.54% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$96.6M
+9.4% YoY
-4.0% QoQ
|
+$34.2M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Top 4.7% in tier |
| Total Loans ? |
$34.3M
+0.9% YoY
+7.3% QoQ
|
-$544K |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$80.7M
+12.3% YoY
-5.2% QoQ
|
+$29.1M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Top 8.4% in tier |
| Return on Assets ? |
0.93%
+100.3% YoY
+18.3% QoQ
|
-0.06% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.37%
+8.7% YoY
+4.6% QoQ
|
-0.54% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
74.47%
-14.9% YoY
-7.9% QoQ
|
-44.92% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
42% |
| Delinquency Rate ? |
0.13%
-9.2% YoY
+0.1% QoQ
|
-1.35% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
42.56%
-10.1% YoY
+13.2% QoQ
|
-31.64% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
26.99%
+0.6% YoY
-5.8% QoQ
|
+3.50% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.81%
-32.9% YoY
+4.4% QoQ
|
+0.97% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.9% in tier |
| Tier 1 Capital Ratio ? |
14.72%
-10.8% YoY
-2.1% QoQ
|
-12.41% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.23%
+81.1% YoY
+89.5% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
75% |
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 |
27.0%
+0.1pp YoY -1.7pp QoQ |
+2.3pp | 24.6% | 22.3% | 22.2% | 63% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
11.5%
-0.4pp YoY +1.8pp QoQ |
-1.9pp | 13.4% | 12.6% | 12.5% | 56% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
15.0%
+1.1pp YoY -0.1pp QoQ |
-20.0pp | 35.0% | 26.7% | 31.3% | 30% |
| Consumer |
3.5%
+0.6pp YoY +0.1pp QoQ |
-4.1pp | 7.7% | 4.6% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
14.7%
-1.8pp YoY -0.3pp QoQ |
-3.0pp | 17.7% | 12.6% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
0 YoY 0 QoQ |
+5 | 12 | 70 | 482 | 81% |
| Assets per Employee ($) |
$5.7M
+9.4% YoY -4.0% QoQ |
-$506K | $6.2M | $7.1M | $8.8M | 45% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 16% |
| Allowance Coverage |
31.52x
+15.2% YoY -5.6% QoQ |
+25.11x | 6.41x | 22.44x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
-0.2%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 0.2% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.2%
+3.6pp YoY +1.0pp QoQ |
+0.8pp | 6.4% | 14.3% | 11.6% | 45% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY +0.1pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 55% |
| Net Income ($, YTD) |
$453,000
+114.7% YoY — QoQ |
+$135K | $317,817 | $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.