BlastPoint's Banking Scorecard
First Bank
Sterling, KS
3 branches across KS
First Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 24.2% in tier
- - Delinquency Rate 5.15% above tier average
- - Nonperforming Asset Ratio 3.37% above tier average
- - ROA 0.26% below tier average
- - Efficiency Ratio 1.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.5M
-1.2% YoY
+3.0% QoQ
|
-$229.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$103.9M
+6.1% YoY
+4.1% QoQ
|
-$151.8M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$121.9M
+3.1% YoY
+7.2% QoQ
|
-$206.1M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.4% in tier |
| Return on Assets ? |
1.01%
+10.3% YoY
+43.0% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.09%
+5.8% YoY
+0.9% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
66.61%
-3.4% YoY
+4.0% QoQ
|
+1.32% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
6.04%
+5.0% QoQ
|
+5.15% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 1.4% in tier |
| Loan-to-Deposit Ratio ? |
85.27%
+2.9% YoY
-2.8% QoQ
|
+8.63% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
27.93%
+16.2% YoY
+2.1% QoQ
|
+5.91% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
4.01%
+746.7% YoY
-3.6% QoQ
|
+3.37% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.5% in tier |
| Tier 1 Capital Ratio ? |
12.58%
+0.1% YoY
-0.5% QoQ
|
-3.25% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.12%
+15.1% YoY
-74.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
61% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.