BlastPoint's Banking Scorecard
First Bank
Sterling, KS
3 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 +2.8% year over year ($124.3M on the books).
- Delinquency rate 8.05%.
- Return on assets 1.06%.
- Efficiency ratio 64.79% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 7.13% above tier average
- - Nonperforming Asset Ratio 4.90% above tier average
- - ROA 0.26% below tier average
- - Efficiency Ratio 0.31% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$162.4M
+3.4% YoY
+3.8% QoQ
|
-$224.2M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$112.3M
+14.8% YoY
+8.1% QoQ
|
-$146.1M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$124.3M
+2.8% YoY
+2.0% QoQ
|
-$202.4M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 13.4% in tier |
| Return on Assets ? |
1.06%
+15.4% YoY
+4.4% QoQ
|
-0.26% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.07%
+2.5% YoY
-0.3% QoQ
|
+0.09% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
64.79%
-3.9% YoY
-2.7% QoQ
|
+0.31% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
8.05%
+33.3% QoQ
|
+7.13% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 0.6% in tier |
| Loan-to-Deposit Ratio ? |
90.32%
+11.7% YoY
+5.9% QoQ
|
+12.37% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
25.88%
+0.1% YoY
-7.3% QoQ
|
+3.85% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
5.57%
+927.4% YoY
+38.8% QoQ
|
+4.90% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 0.7% in tier |
| Tier 1 Capital Ratio ? |
12.41%
+0.2% YoY
-1.4% QoQ
|
-3.50% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.22%
-1.9% YoY
+88.0% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
25.9%
0.0pp YoY -2.0pp QoQ |
+3.7pp | 22.1% | 22.3% | 22.2% | 69% |
| Brokered Deposits |
8.4%
-0.2pp YoY -0.2pp QoQ |
+0.6pp | 7.9% | 8.7% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.3%
-7.0pp YoY -3.2pp QoQ |
+4.8pp | 11.6% | 12.6% | 12.5% | 80% |
| CRE | 19.8% | -19.7pp | 39.5% | 28.8% | 41.4% | 18% |
| 1-4 Family |
20.5%
-2.0pp YoY -1.0pp QoQ |
-12.1pp | 32.6% | 26.7% | 31.3% | 31% |
| Consumer |
2.6%
-1.1pp YoY -0.6pp QoQ |
-1.5pp | 4.1% | 4.6% | 5.0% | 55% |
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 |
12.4%
0.0pp YoY -0.2pp QoQ |
+0.2pp | 12.2% | 12.6% | 12.6% | 69% |
| 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 |
23
-2 (-8.0%) YoY -1 (-4.2%) QoQ |
-36 | 58 | 70 | 482 | 15% |
| Assets per Employee ($) |
$7.1M
+12.4% YoY +8.3% QoQ |
-$458K | $7.5M | $7.1M | $8.8M | 53% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
3.3%
+3.1pp YoY +2.4pp QoQ |
+2.9pp | 0.3% | 0.4% | 0.4% | 99% |
| Nonaccrual |
4.8%
+4.7pp YoY -0.4pp QoQ |
+3.8pp | 0.9% | 0.8% | 1.0% | 97% |
| Allowance Coverage |
0.37x
-95.3% YoY -28.0% QoQ |
-23.79x | 24.15x | 22.44x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 8% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
+0.7pp YoY +0.5pp QoQ |
-3.3pp | 12.2% | 14.3% | 11.6% | 30% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 61% |
| Net Income ($, YTD) |
$831,000
+16.4% YoY — QoQ |
-$1.7M | $2.6M | $3.7M | $40.4M | 21% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.