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

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 +4.8% year over year ($81.8M on the books).
Delinquency rate 1.05%.
Return on assets 1.31%.
Efficiency ratio 61.13% vs a 119.40% peer average.
Loan-to-deposit ratio 92.04% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 48 in KS

View under $100M leaderboard (KS) →

The Stock Exchange Bank, Caldwell, Kansas shows strong momentum with 4 strengths and 6.0% 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 0.31% above tier average
+ Net Interest Margin 0.65% above tier average
+ Efficiency Ratio 58.26% below tier average
+ Delinquency Rate 0.43% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$90.3M +6.0% YoY -4.5% QoQ	+$27.9M	$62.4M -0.0% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 13.2% in tier
Total Loans ?	$75.3M +7.3% YoY +0.8% QoQ	+$40.4M	$34.9M -0.6% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 3.4% in tier
Total Deposits ?	$81.8M +4.8% YoY -5.7% QoQ	+$30.2M	$51.6M -0.2% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 7.1% in tier
Return on Assets ?	1.31% +35.1% YoY -10.1% QoQ	+0.31%	1.00% +3.5% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	68%
Net Interest Margin ?	4.57% +8.0% YoY +1.6% QoQ	+0.65%	3.91% +2.3% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	76%
Efficiency Ratio ?	61.13% -10.8% YoY +7.8% QoQ	-58.26%	119.40% +49.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	71%
Delinquency Rate ?	1.05% +21.8% QoQ	-0.43%	1.48% +31.8% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	92.04% +2.4% YoY +6.8% QoQ	+17.83%	74.21% +12.6% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	15%
Non-Interest-Bearing Deposit Share ?	18.96% +30.1% YoY +10.8% QoQ	-4.53%	23.49% +0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	35%
Nonperforming Asset Ratio ?	0.87% +402.3% YoY +28.5% QoQ	+0.04%	0.84% +23.0% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	27%
Tier 1 Capital Ratio ?	14.06% +3.6% YoY +3.9% QoQ	-13.07%	27.13% +3.0% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.16% +15.1% YoY +88.4% QoQ	-1.22%	1.38% +6.3% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	60%

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	19.0% +4.4pp YoY +1.9pp QoQ	-5.7pp	24.6%	22.3%	22.2%	32%
Brokered Deposits	n/a	n/a	9.8%	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	5.7% -0.6pp YoY +0.4pp QoQ	-7.7pp	13.4%	12.6%	12.5%	24%
CRE	10.2% +1.8pp YoY +1.6pp QoQ	-15.1pp	25.2%	28.8%	41.4%	12%
1-4 Family	62.6% -0.4pp YoY +0.5pp QoQ	+27.6pp	35.0%	26.7%	31.3%	82%
Consumer	3.2% -0.4pp YoY +0.1pp QoQ	-4.5pp	7.7%	4.6%	5.0%	34%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	14.1% +0.5pp YoY +0.5pp QoQ	-24.6pp	38.7%	23.3%	19.7%	16%
Leverage Ratio	9.0% +0.4pp YoY +0.2pp QoQ	-8.7pp	17.7%	12.6%	12.6%	8%
Total Capital Ratio	15.3% +0.5pp YoY +0.5pp QoQ	-24.4pp	39.7%	24.4%	20.8%	17%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	14 0 YoY +1 (+7.7%) QoQ	+2	12	70	482	67%
Assets per Employee ($)	$6.4M +6.0% YoY -11.3% QoQ	+$262K	$6.2M	$7.1M	$8.8M	57%
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	1.0% +0.9pp YoY +0.1pp QoQ	0.0pp	1.0%	0.4%	0.4%	72%
Nonaccrual	0.1%	-1.7pp	1.7%	0.8%	1.0%	10%
Allowance Coverage	1.25x -96.0% YoY -16.5% QoQ	-5.16x	6.41x	22.44x	20.23x	49%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.2%	0.1%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	15.8% +3.3pp YoY -2.1pp QoQ	+9.4pp	6.4%	14.3%	11.6%	87%
Cost of Funds (YTD)	2.0% -0.4pp YoY 0.0pp QoQ	+0.6pp	1.4%	1.6%	1.7%	84%
Net Income ($, YTD)	$598,000 +44.4% YoY — QoQ	+$280K	$317,817	$3.7M	$40.4M	83%

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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 536 peers in under $100M

Top Strengths (4 metrics)

Total Loans

size

Value: $75.29M

Peer Median: $34.89M

#19 of 536 Top 3.4% in under $100M

Total Deposits

size

Value: $81.80M

Peer Median: $51.62M

#39 of 536 Top 7.1% in under $100M

Total Assets

size

Value: $90.30M

Peer Median: $62.44M

#72 of 536 Top 13.2% in under $100M

130

Net Interest Margin

profitability

Value: 4.57%

Peer Median: 3.91%

#130 of 536 Top 24.1% in under $100M

Top Weaknesses (1 metrics)

454

Loan-to-Deposit Ratio

liquidity

Value: 92.04%

Peer Median: 74.21%

#454 of 536 Bottom 15.5% in under $100M