BlastPoint's Banking Scorecard
Labette Bank
Altamont, KS
10 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 +7.0% year over year ($457.2M on the books).
- Delinquency rate 1.76%.
- Return on assets 1.04%.
- Efficiency ratio 63.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.28% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Labette Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.42% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Delinquency Rate 0.84% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$544.4M
+6.9% YoY
-0.5% QoQ
|
+$157.8M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$307.6M
-1.4% YoY
+1.2% QoQ
|
+$49.2M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$457.2M
+7.0% YoY
-0.9% QoQ
|
+$130.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.04%
+14.9% YoY
-6.7% QoQ
|
-0.28% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.97%
+5.8% YoY
+2.6% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
63.06%
-4.1% YoY
-0.2% QoQ
|
-1.42% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
1.76%
+16.5% YoY
-10.0% QoQ
|
+0.84% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
67.28%
-7.8% YoY
+2.1% QoQ
|
-10.68% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
24.97%
+1.6% YoY
-3.9% QoQ
|
+2.94% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.99%
+7.5% YoY
-8.5% QoQ
|
+0.32% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.06%
+2.4% YoY
+1.1% QoQ
|
-2.85% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.29%
-7.3% YoY
+106.5% QoQ
|
-0.28% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
70% |
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 |
25.0%
+0.4pp YoY -1.0pp QoQ |
+2.8pp | 22.1% | 22.3% | 22.2% | 66% |
| 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 |
3.1%
-0.9pp YoY -0.2pp QoQ |
-8.4pp | 11.6% | 12.6% | 12.5% | 10% |
| CRE |
25.8%
-2.7pp YoY -0.5pp QoQ |
-13.7pp | 39.5% | 28.8% | 41.4% | 28% |
| 1-4 Family |
31.6%
+1.5pp YoY +0.1pp QoQ |
-1.0pp | 32.6% | 26.7% | 31.3% | 55% |
| Consumer |
3.9%
-0.2pp YoY -0.1pp QoQ |
-0.2pp | 4.1% | 4.6% | 5.0% | 69% |
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 |
13.1%
+0.3pp YoY +0.1pp QoQ |
+0.9pp | 12.2% | 12.6% | 12.6% | 76% |
| 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 |
99
+7 (+7.6%) YoY +7 (+7.6%) QoQ |
+40 | 58 | 70 | 482 | 86% |
| Assets per Employee ($) |
$5.5M
-0.7% YoY -7.6% QoQ |
-$2.0M | $7.5M | $7.1M | $8.8M | 22% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 6 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 6% |
| Nonaccrual |
1.8%
+0.2pp YoY 0.0pp QoQ |
+0.8pp | 0.9% | 0.8% | 1.0% | 85% |
| Allowance Coverage |
0.69x
-10.9% YoY +17.0% QoQ |
-23.46x | 24.15x | 22.44x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
+0.8pp YoY -0.6pp QoQ |
-4.1pp | 12.2% | 14.3% | 11.6% | 26% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 20% |
| Net Income ($, YTD) |
$2.8M
+22.0% YoY — QoQ |
+$260K | $2.6M | $3.7M | $40.4M | 67% |
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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.