BlastPoint's Banking Scorecard
The State Exchange Bank
Designations: ✓ Community bank
Mankato, KS
The State Exchange Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.68% above tier average
- + Efficiency Ratio 27.46% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.92% below tier average
- - Delinquency Rate 0.74% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$46.8M
+1.5% YoY
-16.1% QoQ
|
-$15.4M |
$62.2M
-0.6% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$15.4M
+4.8% YoY
-10.5% QoQ
|
-$18.9M |
$34.2M
-1.4% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$42.4M
-0.3% YoY
-17.4% QoQ
|
-$9.3M |
$51.7M
-0.7% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
1.51%
+77.2% YoY
+114.1% QoQ
|
+0.68% |
0.84%
-2.3% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
2.94%
+0.5% YoY
-3.8% QoQ
|
-0.92% |
3.86%
+2.8% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio ? |
60.88%
-12.5% YoY
-16.3% QoQ
|
-27.46% |
88.34%
+0.3% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
2.12%
+308.0% YoY
+13.2% QoQ
|
+0.74% |
1.37%
+33.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
36.17%
+5.1% YoY
+8.3% QoQ
|
-28.04% |
64.22%
-0.7% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.57%
-18.0% YoY
-38.3% QoQ
|
+3.86% |
23.71%
+0.3% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.69%
+321.5% YoY
+20.7% QoQ
|
-0.09% |
0.79%
+28.2% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
12.06%
-0.1% YoY
-1.3% QoQ
|
-14.62% |
26.68%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.06%
+111.2% YoY
-43.2% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
51% |
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Signature Analysis
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Metric Rankings
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