BlastPoint's Banking Scorecard
The First State Bank of Ransom
Designations: ✓ Community bank
Ransom, 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 +0.1% year over year ($39.9M on the books).
- Delinquency rate 0.34%.
- Return on assets 1.19%.
- Efficiency ratio 64.74% vs a 119.40% peer average.
- Loan-to-deposit ratio 55.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank of Ransom has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.19% above tier average
- + Efficiency Ratio 54.66% below tier average
- + Delinquency Rate 1.14% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.16% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.9M
+1.0% YoY
+0.3% QoQ
|
-$13.5M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$22.3M
+4.2% YoY
+11.0% QoQ
|
-$12.6M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$39.9M
+0.1% YoY
+0.5% QoQ
|
-$11.7M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.19%
+74.3% YoY
+38.4% QoQ
|
+0.19% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
2.76%
+5.3% YoY
+4.4% QoQ
|
-1.16% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.3% in tier |
| Efficiency Ratio ? |
64.74%
-3.6% YoY
-5.4% QoQ
|
-54.66% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.34%
-17.9% YoY
-40.2% QoQ
|
-1.14% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
55.95%
+4.2% YoY
+10.5% QoQ
|
-18.26% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
19.47%
+7.4% YoY
-12.7% QoQ
|
-4.02% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.16%
-15.3% YoY
-33.8% QoQ
|
-0.68% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
32.77%
-2.3% YoY
-5.7% QoQ
|
+5.64% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 13.8% in tier |
| Non-Interest Income / Assets ? |
0.14%
-7.8% YoY
+90.8% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
19.5%
+1.3pp YoY -2.8pp QoQ |
-5.2pp | 24.6% | 22.3% | 22.2% | 34% |
| Brokered Deposits |
6.9%
+0.6pp YoY +0.6pp QoQ |
-2.9pp | 9.8% | 8.7% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.7%
+3.7pp YoY +0.7pp QoQ |
+12.3pp | 13.4% | 12.6% | 12.5% | 86% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
2.3%
-0.4pp YoY -0.3pp QoQ |
-32.7pp | 35.0% | 26.7% | 31.3% | 9% |
| Consumer |
1.9%
-0.3pp YoY +0.1pp QoQ |
-5.7pp | 7.7% | 4.6% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
32.8%
-0.8pp YoY -2.0pp QoQ |
-5.9pp | 38.7% | 23.3% | 19.7% | 75% |
| Leverage Ratio |
20.1%
-1.2pp YoY -0.2pp QoQ |
+2.4pp | 17.7% | 12.6% | 12.6% | 85% |
| Total Capital Ratio |
34.0%
-0.8pp YoY -2.0pp QoQ |
-5.7pp | 39.7% | 24.4% | 20.8% | 75% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
-2 (-28.6%) YoY -1 (-16.7%) QoQ |
-7 | 12 | 70 | 482 | 7% |
| Assets per Employee ($) |
$9.8M
+41.4% YoY +20.4% QoQ |
+$3.6M | $6.2M | $7.1M | $8.8M | 93% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY -0.2pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 26% |
| Nonaccrual |
0.3%
+0.1pp YoY -0.1pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 27% |
| Allowance Coverage |
5.57x
+18.0% YoY +48.2% QoQ |
-0.84x | 6.41x | 22.44x | 20.23x | 82% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.6%
+2.6pp YoY +1.8pp QoQ |
+0.2pp | 6.4% | 14.3% | 11.6% | 40% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 56% |
| Net Income ($, YTD) |
$289,000
+77.3% YoY — QoQ |
-$29K | $317,817 | $3.7M | $40.4M | 50% |
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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.