BlastPoint's Banking Scorecard
Elk State Bank
Clyde, KS
3 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 +9.8% year over year ($109.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.70%.
- Efficiency ratio 69.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Elk State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Net Interest Margin 0.95% below tier average
- - Efficiency Ratio 4.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.7M
+4.6% YoY
-1.8% QoQ
|
-$247.9M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.9% in tier |
| Total Loans ? |
$76.8M
+12.6% YoY
+0.9% QoQ
|
-$181.6M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.1% in tier |
| Total Deposits ? |
$109.0M
+9.8% YoY
-4.1% QoQ
|
-$217.7M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.4% in tier |
| Return on Assets ? |
0.70%
-0.6% YoY
-5.6% QoQ
|
-0.62% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.03%
+8.1% YoY
-1.4% QoQ
|
-0.95% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.8% in tier |
| Efficiency Ratio ? |
69.31%
-2.8% YoY
+5.1% QoQ
|
+4.83% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.00%
-46.7% YoY
-25.7% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 13.0% in tier |
| Loan-to-Deposit Ratio ? |
70.40%
+2.5% YoY
+5.3% QoQ
|
-7.55% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
23.08%
+12.4% YoY
-2.4% QoQ
|
+1.05% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.00%
-42.7% YoY
-23.6% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 11.7% in tier |
| Tier 1 Capital Ratio ? |
14.01%
-6.4% YoY
-0.8% QoQ
|
-1.90% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.09%
+3.5% YoY
+124.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
17% |
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 |
23.1%
+2.5pp YoY -0.6pp QoQ |
+0.9pp | 22.1% | 22.3% | 22.2% | 59% |
| Brokered Deposits |
5.5%
-5.5pp YoY -1.1pp QoQ |
-2.3pp | 7.9% | 8.7% | 8.5% | 56% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.4%
+1.3pp YoY +0.1pp QoQ |
-2.2pp | 11.6% | 12.6% | 12.5% | 49% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
20.1%
+0.5pp YoY -0.3pp QoQ |
-12.5pp | 32.6% | 26.7% | 31.3% | 30% |
| Consumer |
1.1%
-0.8pp YoY -0.3pp QoQ |
-3.0pp | 4.1% | 4.6% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
-1.0pp YoY -0.1pp QoQ |
-4.8pp | 18.8% | 23.3% | 19.7% | 39% |
| Leverage Ratio |
8.2%
0.0pp YoY +0.4pp QoQ |
-3.9pp | 12.2% | 12.6% | 12.6% | 4% |
| Total Capital Ratio |
15.3%
-1.0pp YoY -0.1pp QoQ |
-4.7pp | 19.9% | 24.4% | 20.8% | 40% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+1 (+6.2%) YoY 0 QoQ |
-42 | 58 | 70 | 482 | 7% |
| Assets per Employee ($) |
$8.2M
-1.5% YoY -1.8% QoQ |
+$640K | $7.5M | $7.1M | $8.8M | 70% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 1% |
| Allowance Coverage |
344.33x
+76.0% YoY +36.6% QoQ |
+320.18x | 24.15x | 22.44x | 20.23x | 98% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
-0.6pp YoY -0.7pp QoQ |
-2.3pp | 12.2% | 14.3% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 77% |
| Net Income ($, YTD) |
$491,000
+4.0% YoY — QoQ |
-$2.1M | $2.6M | $3.7M | $40.4M | 10% |
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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.