BlastPoint's Banking Scorecard
The State Exchange Bank
Designations: ✓ Community bank
Mankato, 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +16.0% year over year ($46.5M on the books).
- Delinquency rate 1.88%.
- Return on assets 1.22%.
- Efficiency ratio 64.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 36.19% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The State Exchange Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Efficiency Ratio 54.97% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.93% below tier average
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.9M
+16.5% YoY
+8.7% QoQ
|
-$11.6M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$16.8M
+6.5% YoY
+9.6% QoQ
|
-$18.1M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$46.5M
+16.0% YoY
+9.6% QoQ
|
-$5.1M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.22%
+42.2% YoY
-19.1% QoQ
|
+0.23% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
63% |
| Net Interest Margin ? |
2.98%
-0.0% YoY
+1.4% QoQ
|
-0.93% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
64.42%
-8.7% YoY
+5.8% QoQ
|
-54.97% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
65% |
| Delinquency Rate ? |
1.88%
-30.7% YoY
-11.3% QoQ
|
+0.40% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
36.19%
-8.2% YoY
+0.0% QoQ
|
-38.02% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 13.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.89%
-12.1% YoY
-9.7% QoQ
|
+1.40% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.62%
-36.6% YoY
-10.6% QoQ
|
-0.22% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
12.25%
-4.6% YoY
+1.5% QoQ
|
-14.88% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.09%
+19.6% YoY
+41.0% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
24.9%
-3.4pp YoY -2.7pp QoQ |
+0.3pp | 24.6% | 22.3% | 22.2% | 54% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
2.3%
-1.7pp YoY -0.2pp QoQ |
-11.1pp | 13.4% | 12.6% | 12.5% | 6% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
17.7%
0.0pp YoY +1.2pp QoQ |
-17.3pp | 35.0% | 26.7% | 31.3% | 34% |
| Consumer |
6.8%
-0.2pp YoY -0.9pp QoQ |
-0.9pp | 7.7% | 4.6% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
12.2%
-0.6pp YoY +0.2pp QoQ |
-5.4pp | 17.7% | 12.6% | 12.6% | 43% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 70 | 482 | 13% |
| Assets per Employee ($) |
$8.5M
+16.5% YoY +8.7% QoQ |
+$2.3M | $6.2M | $7.1M | $8.8M | 84% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 5% |
| Nonaccrual |
1.9%
-0.8pp YoY -0.2pp QoQ |
+0.1pp | 1.7% | 0.8% | 1.0% | 73% |
| Allowance Coverage |
0.76x
+42.0% YoY -0.1% QoQ |
-5.65x | 6.41x | 22.44x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY |
-0.1pp | 0.2% | 0.1% | 0.2% | 65% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
+2.7pp YoY -3.7pp QoQ |
+8.8pp | 6.4% | 14.3% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 38% |
| Net Income ($, YTD) |
$313,000
+55.7% YoY — QoQ |
-$5K | $317,817 | $3.7M | $40.4M | 54% |
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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.