BlastPoint

BlastPoint's Banking Scorecard

Goppert State Service Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 17317

Garnett, KS

9 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS
View $100M-$1B leaderboard (KS) →

Goppert State Service Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.23% above tier average
  • + Net Interest Margin 0.70% above tier average
  • + Efficiency Ratio 13.94% below tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 1.09% above tier average
  • - Delinquency Rate 0.98% above tier average
Get updates when Goppert State Service Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $342.7M
+10.6% YoY +5.7% QoQ
-$43.3M $386.1M
+0.5% YoY
$509.2M
+7.2% YoY
$6.2B
+9.1% YoY
53%
Total Loans ? $260.7M
+9.0% YoY +1.2% QoQ
+$5.0M $255.7M
+1.1% YoY
$338.5M
+8.8% YoY
$3.2B
+10.8% YoY
61%
Total Deposits ? $309.9M
+11.7% YoY +6.0% QoQ
-$18.1M $328.0M
+0.1% YoY
$424.4M
+7.3% YoY
$4.8B
+8.2% YoY
56%
Return on Assets ? 1.50%
+23.5% YoY +24.9% QoQ
+0.23% 1.27%
+12.9% YoY
1.40%
+19.8% YoY
1.23%
+13.4% YoY
67%
Net Interest Margin ? 4.63%
+2.8% YoY -0.6% QoQ
+0.70% 3.93%
+6.0% YoY
3.92%
+4.5% YoY
3.89%
+5.7% YoY
Top 14.8% in tier
Efficiency Ratio ? 51.34%
-8.6% YoY -11.1% QoQ
-13.94% 65.29%
-4.5% YoY
62.29%
-5.0% YoY
66.95%
-4.1% YoY
82%
Delinquency Rate ? 1.86%
-29.2% YoY -7.7% QoQ
+0.98% 0.89%
+18.8% YoY
0.77%
+10.4% YoY
0.95%
+18.8% YoY
Bottom 13.9% in tier
Loan-to-Deposit Ratio ? 84.13%
-2.5% YoY -4.5% QoQ
+7.50% 76.64%
+0.8% YoY
71.79%
+1.2% YoY
76.70%
+0.9% YoY
37%
Non-Interest-Bearing Deposit Share ? 20.02%
+9.4% YoY +16.1% QoQ
-2.00% 22.02%
-1.0% YoY
22.83%
-2.0% YoY
22.01%
-1.2% YoY
45%
Nonperforming Asset Ratio ? 1.73%
-33.6% YoY -11.7% QoQ
+1.09% 0.64%
+19.7% YoY
0.51%
+12.5% YoY
0.67%
+19.3% YoY
Bottom 9.0% in tier
Tier 1 Capital Ratio ? 9.40%
+2.7% YoY -0.9% QoQ
-6.43% 15.83%
+1.5% YoY
17.98%
-0.9% YoY
17.06%
+0.8% YoY
Bottom 3.5% in tier
Non-Interest Income / Assets ? 0.05%
-18.3% YoY -71.7% QoQ
-0.23% 0.28%
+9.3% YoY
0.28%
-1.8% YoY
0.32%
+4.1% YoY
19%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

395
Net Interest Margin
profitability
Value: 4.63%
Peer Median: 3.93%
#395 of 2664 Top 14.8% in $100M-$1B
489
Efficiency Ratio
profitability
Value: 51.34%
Peer Median: 65.29%
#489 of 2664 Top 18.3% in $100M-$1B

Top Weaknesses (4 metrics)

2573
Tier 1 Capital Ratio
capital
Value: 9.40%
Peer Median: 15.83%
#2573 of 2664 Bottom 3.5% in $100M-$1B
2426
Nonperforming Asset Ratio
credit_quality
Value: 1.73%
Peer Median: 0.64%
#2426 of 2664 Bottom 9.0% in $100M-$1B
2286
Delinquency Rate
credit_quality
Value: 1.86%
Peer Median: 0.89%
#2286 of 2654 Bottom 13.9% in $100M-$1B
2164
Non-Interest Income / Assets
revenue_mix
Value: 0.05%
Peer Median: 0.28%
#2164 of 2664 Bottom 18.8% in $100M-$1B
Powered by BlastPoint © 2026