BlastPoint's Banking Scorecard

The First State Bank of Ransom

under $100M Specialty: Agricultural KS FDIC cert 15469

Designations: ✓ Community bank

Ransom, KS

2 branches across KS

537 banks in the under $100M peer group nationally 47 in KS

The First State Bank of Ransom has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 19.16% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.23% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$48.8M +1.1% YoY +1.6% QoQ	-$13.5M	$62.3M -0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	30%
Total Loans ?	$20.1M +11.8% YoY -0.5% QoQ	-$14.2M	$34.3M -1.5% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	28%
Total Deposits ?	$39.7M -0.1% YoY +1.8% QoQ	-$12.1M	$51.8M -0.6% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	30%
Return on Assets ?	0.86% +18.5% YoY +31.9% QoQ	+0.00%	0.86% -3.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	46%
Net Interest Margin ?	2.64% +4.8% YoY -0.8% QoQ	-1.23%	3.87% +2.7% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	Bottom 9.1% in tier
Efficiency Ratio ?	68.47% -2.7% YoY -4.4% QoQ	-19.16%	87.63% +2.3% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	57%
Delinquency Rate ?	0.58% +75.9% YoY +37.2% QoQ	-0.78%	1.36% +33.7% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	45%
Loan-to-Deposit Ratio ?	50.64% +11.9% YoY -2.3% QoQ	-13.47%	64.11% -0.9% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	22.30% +10.0% YoY +2.6% QoQ	-1.48%	23.79% +0.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	46%
Nonperforming Asset Ratio ?	0.24% +94.4% YoY +34.3% QoQ	-0.54%	0.77% +28.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	50%
Tier 1 Capital Ratio ?	34.73% -5.9% YoY -0.2% QoQ	+7.96%	26.77% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	Top 13.2% in tier
Non-Interest Income / Assets ?	0.07% -8.9% YoY -76.2% QoQ	-0.60%	0.67% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	56%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 34.73%

Peer Median: 26.77%

#72 of 537 Top 13.2% in under $100M

Top Weaknesses (1 metrics)

489

Net Interest Margin

profitability

Value: 2.64%

Peer Median: 3.87%

#489 of 537 Bottom 9.1% in under $100M