BlastPoint's Banking Scorecard
The Denison State Bank
Holton, KS
5 branches across KS
The Denison State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 49.0% in tier
- + ROA 0.44% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio 18.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 28.6% in tier
- - Margin Compression: Bottom 43.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$468.3M
+1.6% YoY
-0.1% QoQ
|
+$82.2M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$301.2M
+2.5% YoY
-1.4% QoQ
|
+$45.5M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$383.9M
+0.4% YoY
+0.1% QoQ
|
+$55.9M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
68% |
| Return on Assets ? |
1.71%
-18.5% YoY
-6.7% QoQ
|
+0.44% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
4.32%
+12.6% YoY
+7.3% QoQ
|
+0.39% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
46.76%
-6.9% YoY
-8.1% QoQ
|
-18.52% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Top 10.8% in tier |
| Delinquency Rate ? |
0.84%
+128.1% YoY
+4.6% QoQ
|
-0.05% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
78.45%
+2.0% YoY
-1.5% QoQ
|
+1.81% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
18.49%
+6.1% YoY
+7.4% QoQ
|
-3.53% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.54%
+130.2% YoY
+3.2% QoQ
|
-0.10% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
35% |
| Tier 1 Capital Ratio ? |
17.27%
+5.2% YoY
+2.6% QoQ
|
+1.44% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.19%
+16.5% YoY
-74.0% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
84% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.