BlastPoint's Banking Scorecard
The Riley State Bank of Riley, Kansas
Riley, KS
4 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 +10.9% year over year ($115.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.48%.
- Efficiency ratio 57.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.39% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Riley State Bank of Riley, Kansas has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31.3% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.16% above tier average
- + Efficiency Ratio 6.86% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$132.0M
+8.6% YoY
+1.2% QoQ
|
-$254.6M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.6% in tier |
| Total Loans ? |
$88.0M
+13.6% YoY
+3.7% QoQ
|
-$170.3M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.8% in tier |
| Total Deposits ? |
$115.2M
+10.9% YoY
+1.3% QoQ
|
-$211.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.3% in tier |
| Return on Assets ? |
1.48%
+2.4% YoY
-8.8% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
3.81%
+2.7% YoY
+0.9% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
42% |
| Efficiency Ratio ? |
57.62%
-3.8% YoY
-1.0% QoQ
|
-6.86% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
76.39%
+2.5% YoY
+2.3% QoQ
|
-1.56% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
17.53%
-1.5% YoY
-5.0% QoQ
|
-4.50% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.51%
-2.7% YoY
-2.1% QoQ
|
-5.40% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.11%
-41.4% YoY
+116.1% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
20% |
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 |
17.5%
-0.3pp YoY -0.9pp QoQ |
-4.6pp | 22.1% | 22.3% | 22.2% | 34% |
| 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 |
20.9%
+0.1pp YoY -4.7pp QoQ |
+9.3pp | 11.6% | 12.6% | 12.5% | 90% |
| CRE |
6.5%
+0.4pp YoY +0.4pp QoQ |
-33.0pp | 39.5% | 28.8% | 41.4% | 2% |
| 1-4 Family |
8.9%
-2.6pp YoY -0.5pp QoQ |
-23.7pp | 32.6% | 26.7% | 31.3% | 9% |
| Consumer |
5.3%
-0.1pp YoY +0.3pp QoQ |
+1.2pp | 4.1% | 4.6% | 5.0% | 79% |
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 |
10.5%
-0.3pp YoY -0.2pp QoQ |
-1.7pp | 12.2% | 12.6% | 12.6% | 42% |
| 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 |
22
+1 (+4.8%) YoY 0 QoQ |
-37 | 58 | 70 | 482 | 14% |
| Assets per Employee ($) |
$6.0M
+3.6% YoY +1.2% QoQ |
-$1.5M | $7.5M | $7.1M | $8.8M | 34% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
-0.1pp YoY -1.3pp QoQ |
+2.4pp | 12.2% | 14.3% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 58% |
| Net Income ($, YTD) |
$950,000
+11.0% YoY — QoQ |
-$1.6M | $2.6M | $3.7M | $40.4M | 25% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.