BlastPoint's Banking Scorecard

The Bennington State Bank

$1B-$10B Specialty: Commercial KS FDIC cert 16402

Designations: ✓ Community bank

Salina, KS

15 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
Deposits +29.7% year over year ($1.2B on the books).
Delinquency rate 0.29%.
Return on assets 2.50%.
Efficiency ratio 40.32% vs a 59.73% peer average.
Loan-to-deposit ratio 72.17% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 20 in KS

View $1B-$10B leaderboard (KS) →

The Bennington State Bank 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

+ Profitability Leader: Top 19.4% in tier
+ Efficiency Ratio 19.40% below tier average
+ Net Interest Margin 0.19% above tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.4% in tier

Get updates when The Bennington State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$1.4B +27.5% YoY +13.6% QoQ	-$1.4B	$2.8B -0.6% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$883.8M +15.9% YoY +9.0% QoQ	-$1.1B	$2.0B -0.3% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	22%
Total Deposits ?	$1.2B +29.7% YoY +15.9% QoQ	-$1.1B	$2.3B -0.5% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	33%
Return on Assets ?	2.50% +12.7% YoY +7.5% QoQ	+1.11%	1.39% +17.0% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 3.8% in tier
Net Interest Margin ?	4.06% +5.8% YoY +4.3% QoQ	+0.19%	3.87% +6.2% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	40.32% -8.5% YoY -5.1% QoQ	-19.40%	59.73% -12.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 7.6% in tier
Delinquency Rate ?	0.29% +14.9% YoY -5.8% QoQ	-0.57%	0.87% +11.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	69%
Loan-to-Deposit Ratio ?	72.17% -10.7% YoY -5.9% QoQ	-12.86%	85.04% -0.1% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	18.89% -4.4% YoY +1.2% QoQ	-2.38%	21.27% -1.5% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	0.18% +4.4% YoY -9.5% QoQ	-0.49%	0.67% +11.7% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	13.85% -10.4% YoY -9.7% QoQ	-1.00%	14.84% -0.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	62%
Non-Interest Income / Assets ?	0.32% -4.1% YoY +81.3% QoQ	-0.20%	0.53% +2.5% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	57%

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	18.9% -0.9pp YoY +0.2pp QoQ	-2.5pp	21.4%	22.3%	22.2%	44%
Brokered Deposits	0.4% -0.1pp YoY -0.1pp QoQ	-9.0pp	9.5%	8.7%	8.5%	10%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	12.2% -1.7pp YoY -0.1pp QoQ	-1.8pp	14.0%	12.6%	12.5%	56%
CRE	35.1% -2.3pp YoY -5.1pp QoQ	-15.0pp	50.0%	28.8%	41.4%	15%
1-4 Family	34.5% +3.0pp YoY +1.7pp QoQ	+8.1pp	26.4%	26.7%	31.3%	74%
Consumer	1.2% -0.1pp YoY +0.2pp QoQ	-3.5pp	4.7%	4.6%	5.0%	50%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	13.8% -1.6pp YoY -1.5pp QoQ	-1.7pp	15.6%	23.3%	19.7%	56%
Leverage Ratio	9.5% -1.7pp YoY -1.3pp QoQ	-1.8pp	11.3%	12.6%	12.6%	22%
Total Capital Ratio	15.1% -1.6pp YoY -1.5pp QoQ	-1.6pp	16.7%	24.4%	20.8%	57%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	169 +24 (+16.6%) YoY +22 (+15.0%) QoQ	-145	313	70	482	30%
Assets per Employee ($)	$8.4M +9.4% YoY -1.2% QoQ	-$2.1M	$10.5M	$7.1M	$8.8M	46%
Branch Count	15 +4 (+36.4%) YoY +4 (+36.4%) QoQ	-5	20	6	18	50%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY 0.0pp QoQ	0.0pp	0.2%	0.4%	0.4%	86%
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	0.8%	1.0%	12%
Allowance Coverage	6.90x -21.8% YoY -2.0% QoQ	-11.81x	18.71x	22.44x	20.23x	83%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	25.6% +3.0pp YoY +2.5pp QoQ	+13.1pp	12.6%	14.3%	11.6%	97%
Cost of Funds (YTD)	1.8% 0.0pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.6%	1.7%	44%
Net Income ($, YTD)	$16.4M +29.5% YoY — QoQ	-$2.9M	$19.2M	$3.7M	$40.4M	63%

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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)

Profitability Leader

growth

#44 of 222 • Top 19.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.50%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#72 of 492 • Bottom 14.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.50%

Peer Median: 1.39%

#35 of 885 Top 3.8% in $1B-$10B

Efficiency Ratio

profitability

Value: 40.32%

Peer Median: 59.73%

#68 of 885 Top 7.6% in $1B-$10B

167

Loan-to-Deposit Ratio

liquidity

Value: 72.17%

Peer Median: 85.04%

#167 of 885 Top 18.8% in $1B-$10B

221

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#221 of 885 Top 24.9% in $1B-$10B

Top Weaknesses (1 metrics)

692

Total Loans

size

Value: $883.79M

Peer Median: $1.96B

#692 of 885 Bottom 21.9% in $1B-$10B