BlastPoint's Banking Scorecard
Labette Bank
Altamont, KS
10 branches across KS
Labette Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.10% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 39.3% in tier
- - Net Interest Margin 0.06% below tier average
- - Delinquency Rate 1.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$547.3M
+6.5% YoY
+3.7% QoQ
|
+$161.3M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$304.0M
-3.1% YoY
-0.5% QoQ
|
+$48.3M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$461.4M
+6.4% YoY
+4.3% QoQ
|
+$133.4M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
76% |
| Return on Assets ? |
1.12%
-13.6% YoY
+8.1% QoQ
|
-0.15% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.87%
+7.2% YoY
+0.9% QoQ
|
-0.06% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
63.18%
+4.5% YoY
-2.3% QoQ
|
-2.10% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
1.95%
+30.6% YoY
+10.3% QoQ
|
+1.06% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.0% in tier |
| Loan-to-Deposit Ratio ? |
65.88%
-8.9% YoY
-4.6% QoQ
|
-10.76% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
25.99%
+3.3% YoY
+8.3% QoQ
|
+3.97% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.08%
+18.9% YoY
+5.9% QoQ
|
+0.45% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.92%
+2.7% YoY
-2.1% QoQ
|
-2.91% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.14%
-8.5% YoY
-76.9% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
70% |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.