BlastPoint's Banking Scorecard

The Stock Exchange Bank, Caldwell, Kansas

under $100M Specialty: Mortgage KS FDIC cert 15784

Designations: ✓ Community bank

Caldwell, KS

2 branches across KS

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

The Stock Exchange Bank, Caldwell, Kansas shows strong momentum with 4 strengths and 10.1% YoY asset growth

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

+ ROA 0.60% above tier average
+ Net Interest Margin 0.63% above tier average
+ Efficiency Ratio 30.92% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Stock Exchange Bank, Caldwell, Kansas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$94.5M +10.1% YoY +5.0% QoQ	+$32.2M	$62.3M -0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	Top 6.7% in tier
Total Loans ?	$74.7M +6.5% YoY -1.9% QoQ	+$40.4M	$34.3M -1.5% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	Top 2.8% in tier
Total Deposits ?	$86.7M +9.9% YoY +8.4% QoQ	+$34.9M	$51.8M -0.6% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	Top 1.7% in tier
Return on Assets ?	1.45% +50.1% YoY +46.8% QoQ	+0.60%	0.86% -3.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	76%
Net Interest Margin ?	4.50% +8.9% YoY +3.4% QoQ	+0.63%	3.87% +2.7% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	56.71% -15.5% YoY -17.0% QoQ	-30.92%	87.63% +2.3% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	81%
Delinquency Rate ?	0.86% -11.5% YoY +14.2% QoQ	-0.50%	1.36% +33.7% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	39%
Loan-to-Deposit Ratio ?	86.18% -3.1% YoY -9.5% QoQ	+22.07%	64.11% -0.9% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	17.11% +5.6% YoY +5.2% QoQ	-6.68%	23.79% +0.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	30%
Nonperforming Asset Ratio ?	0.68% -14.4% YoY +6.7% QoQ	-0.09%	0.77% +28.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	31%
Tier 1 Capital Ratio ?	13.53% -0.3% YoY +1.4% QoQ	-13.24%	26.77% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	36%
Non-Interest Income / Assets ?	0.08% +39.7% YoY -69.6% QoQ	-0.59%	0.67% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	63%

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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 (6 metrics)

Total Deposits

size

Value: $86.70M

Peer Median: $51.83M

#10 of 537 Top 1.7% in under $100M

Total Loans

size

Value: $74.72M

Peer Median: $34.29M

#16 of 537 Top 2.8% in under $100M

Total Assets

size

Value: $94.53M

Peer Median: $62.28M

#37 of 537 Top 6.7% in under $100M

103

Efficiency Ratio

profitability

Value: 56.71%

Peer Median: 87.63%

#103 of 537 Top 19.0% in under $100M

126

Net Interest Margin

profitability

Value: 4.50%

Peer Median: 3.87%

#126 of 537 Top 23.3% in under $100M

132

Return on Assets

profitability

Value: 1.45%

Peer Median: 0.86%

#132 of 537 Top 24.4% in under $100M

Top Weaknesses (1 metrics)

438

Loan-to-Deposit Ratio

liquidity

Value: 86.18%

Peer Median: 64.11%

#438 of 537 Bottom 18.6% in under $100M