BlastPoint's Banking Scorecard

The Riley State Bank of Riley, Kansas

$100M-$1B Specialty: Agricultural KS FDIC cert 16120

Riley, KS

4 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Riley State Bank of Riley, Kansas has 4 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

+ Credit Quality Leader: Top 34.2% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.35% above tier average
+ Efficiency Ratio 7.09% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.16% below tier average

Get updates when The Riley State Bank of Riley, 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 ?	$130.3M +10.3% YoY +5.6% QoQ	-$255.7M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 8.6% in tier
Total Loans ?	$84.9M +5.4% YoY +2.4% QoQ	-$170.8M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 13.3% in tier
Total Deposits ?	$113.8M +12.8% YoY +6.2% QoQ	-$214.2M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 10.0% in tier
Return on Assets ?	1.62% +0.7% YoY +29.5% QoQ	+0.35%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	73%
Net Interest Margin ?	3.77% +1.7% YoY +1.3% QoQ	-0.16%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	58.20% -1.7% YoY -7.7% QoQ	-7.09%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	74.64% -6.6% YoY -3.6% QoQ	-2.00%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	58%
Non-Interest-Bearing Deposit Share ?	18.46% +0.6% YoY -8.1% QoQ	-3.56%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.73% -0.1% YoY -0.9% QoQ	-5.10%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% -55.4% YoY -82.5% QoQ	-0.23%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	19%

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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 (1)

Credit Quality Leader

growth

#228 of 664 • Top 34.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (5 metrics)

2435

Total Assets

size

Value: $130.34M

Peer Median: $386.08M

#2435 of 2664 Bottom 8.6% in $100M-$1B

2398

Total Deposits

size

Value: $113.77M

Peer Median: $327.97M

#2398 of 2664 Bottom 10.0% in $100M-$1B

2310

Total Loans

size

Value: $84.91M

Peer Median: $255.72M

#2310 of 2664 Bottom 13.3% in $100M-$1B

2167

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2167 of 2664 Bottom 18.7% in $100M-$1B

2138

Tier 1 Capital Ratio

capital

Value: 10.73%

Peer Median: 15.83%

#2138 of 2664 Bottom 19.8% in $100M-$1B