BlastPoint's Banking Scorecard

The Denison State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 15305

Holton, KS

5 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 -1.7% year over year ($369.3M on the books).
Delinquency rate 1.10%.
Return on assets 2.00%.
Efficiency ratio 48.86% vs a 64.48% peer average.
Loan-to-deposit ratio 81.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The Denison State Bank has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 40.9% in tier
+ ROA 0.68% above tier average
+ Net Interest Margin 0.33% above tier average
+ Efficiency Ratio 15.62% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 35.3% in tier
- Liquidity Overhang: Bottom 48.4% in tier

Get updates when The Denison State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$453.6M -0.7% YoY -3.1% QoQ	+$67.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$300.6M +2.4% YoY -0.2% QoQ	+$42.3M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$369.3M -1.7% YoY -3.8% QoQ	+$42.6M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	2.00% -3.6% YoY +17.0% QoQ	+0.68%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 13.3% in tier
Net Interest Margin ?	4.32% +10.7% YoY -0.0% QoQ	+0.33%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	48.86% -3.6% YoY +4.5% QoQ	-15.62%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 14.7% in tier
Delinquency Rate ?	1.10% +106.8% YoY +30.3% QoQ	+0.18%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	26%
Loan-to-Deposit Ratio ?	81.40% +4.1% YoY +3.8% QoQ	+3.45%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	17.36% +4.0% YoY -6.1% QoQ	-4.67%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.73% +58.2% YoY +34.3% QoQ	+0.06%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	29%
Tier 1 Capital Ratio ?	17.53% +5.9% YoY +1.5% QoQ	+1.62%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.39% +14.7% YoY +105.1% QoQ	-0.18%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	84%

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	17.4% +0.7pp YoY -1.1pp QoQ	-4.8pp	22.1%	22.3%	22.2%	33%
Brokered Deposits	n/a	n/a	7.9%	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	15.8% 0.0pp YoY 0.0pp QoQ	+4.3pp	11.6%	12.6%	12.5%	79%
CRE	22.1% +1.0pp YoY +0.5pp QoQ	-17.5pp	39.5%	28.8%	41.4%	21%
1-4 Family	16.2% -1.1pp YoY -0.4pp QoQ	-16.5pp	32.6%	26.7%	31.3%	22%
Consumer	3.8% -0.5pp YoY -0.2pp QoQ	-0.3pp	4.1%	4.6%	5.0%	68%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	17.5% +1.0pp YoY +0.3pp QoQ	+5.4pp	12.2%	12.6%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	71 -1 (-1.4%) YoY +2 (+2.9%) QoQ	+12	58	70	482	72%
Assets per Employee ($)	$6.4M +0.7% YoY -5.9% QoQ	-$1.1M	$7.5M	$7.1M	$8.8M	40%
Branch Count	5 0 YoY 0 QoQ	0	4	6	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.2pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	60%
Nonaccrual	0.9% +0.4pp YoY +0.1pp QoQ	0.0pp	0.9%	0.8%	1.0%	70%
Allowance Coverage	0.94x -54.4% YoY -45.1% QoQ	-23.21x	24.15x	22.44x	20.23x	25%
Net Charge-off Rate (YTD)	0.8% +0.7pp YoY +0.8pp QoQ	+0.7pp	0.1%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	12.6% -2.0pp YoY +1.6pp QoQ	+0.4pp	12.2%	14.3%	11.6%	54%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.6%	1.7%	36%
Net Income ($, YTD)	$4.6M -2.6% YoY — QoQ	+$2.1M	$2.6M	$3.7M	$40.4M	85%

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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 (1)

Revenue Diversifier

growth

#271 of 661 • Top 40.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.39%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.00%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk

#331 of 936 • Bottom 35.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#360 of 742 • Bottom 48.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.53%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 81.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

353

Return on Assets

profitability

Value: 2.00%

Peer Median: 1.32%

#353 of 2643 Top 13.3% in $100M-$1B

389

Efficiency Ratio

profitability

Value: 48.86%

Peer Median: 64.48%

#389 of 2643 Top 14.7% in $100M-$1B

413

Non-Interest Income / Assets

revenue_mix

Value: 0.39%

Peer Median: 0.57%

#413 of 2643 Top 15.6% in $100M-$1B

551

Tier 1 Capital Ratio

capital

Value: 17.53%

Peer Median: 15.91%

#551 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available