BlastPoint's Banking Scorecard
Goppert State Service Bank
Garnett, KS
9 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 +10.2% year over year ($311.6M on the books).
- Delinquency rate 1.76%.
- Return on assets 1.48%.
- Efficiency ratio 52.19% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Goppert State Service Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.67% above tier average
- + Efficiency Ratio 12.29% below tier average
Key Concerns
Areas that may need attention
- - 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 ? |
$345.3M
+9.4% YoY
+0.8% QoQ
|
-$41.2M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$257.6M
+4.6% YoY
-1.2% QoQ
|
-$733K |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
60% |
| Total Deposits ? |
$311.6M
+10.2% YoY
+0.6% QoQ
|
-$15.1M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
1.48%
+31.4% YoY
-1.3% QoQ
|
+0.16% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
4.66%
+2.0% YoY
+0.6% QoQ
|
+0.67% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
84% |
| Efficiency Ratio ? |
52.19%
-8.1% YoY
+1.6% QoQ
|
-12.29% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
1.76%
-29.8% YoY
-5.5% QoQ
|
+0.84% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
82.67%
-5.1% YoY
-1.7% QoQ
|
+4.71% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
18.79%
+7.9% YoY
-6.1% QoQ
|
-3.24% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
1.59%
-35.6% YoY
-8.1% QoQ
|
+0.92% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.9% in tier |
| Tier 1 Capital Ratio ? |
9.28%
+2.4% YoY
-1.3% QoQ
|
-6.63% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.0% in tier |
| Non-Interest Income / Assets ? |
0.09%
+33.4% YoY
+77.4% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.9% in tier |
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 |
18.8%
+1.4pp YoY -1.2pp QoQ |
-3.4pp | 22.1% | 22.3% | 22.2% | 39% |
| 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 |
14.7%
-0.7pp YoY +0.6pp QoQ |
+3.1pp | 11.6% | 12.6% | 12.5% | 75% |
| CRE |
8.1%
+0.2pp YoY +0.3pp QoQ |
-31.4pp | 39.5% | 28.8% | 41.4% | 3% |
| 1-4 Family |
29.6%
+0.1pp YoY -0.5pp QoQ |
-3.0pp | 32.6% | 26.7% | 31.3% | 50% |
| Consumer |
5.3%
-0.4pp YoY +0.2pp QoQ |
+1.2pp | 4.1% | 4.6% | 5.0% | 79% |
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 |
9.3%
+0.2pp YoY -0.1pp QoQ |
-2.9pp | 12.2% | 12.6% | 12.6% | 17% |
| 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 |
60
+2 (+3.4%) YoY 0 QoQ |
+1 | 58 | 70 | 482 | 63% |
| Assets per Employee ($) |
$5.8M
+5.7% YoY +0.8% QoQ |
-$1.8M | $7.5M | $7.1M | $8.8M | 28% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 6 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 69% |
| Nonaccrual |
1.5%
-0.6pp YoY -0.3pp QoQ |
+0.6pp | 0.9% | 0.8% | 1.0% | 82% |
| Allowance Coverage |
0.80x
+9.1% YoY -1.5% QoQ |
-23.35x | 24.15x | 22.44x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.5%
+0.3pp YoY +0.4pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 93% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
+3.5pp YoY -0.3pp QoQ |
+3.9pp | 12.2% | 14.3% | 11.6% | 73% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 60% |
| Net Income ($, YTD) |
$2.5M
+43.3% YoY — QoQ |
-$57K | $2.6M | $3.7M | $40.4M | 62% |
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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.