BlastPoint's Banking Scorecard

Impact Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 17399

Wellington, KS

2 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 +9.5% year over year ($153.0M on the books).
Delinquency rate 0.03%.
Return on assets 1.67%.
Efficiency ratio 54.37% vs a 64.48% peer average.
Loan-to-deposit ratio 64.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Impact Bank has 3 strengths but faces 1 concern

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 0.35% above tier average
+ Efficiency Ratio 10.11% below tier average
+ Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.34% below tier average

Get updates when Impact Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$167.2M +5.1% YoY -2.2% QoQ	-$219.3M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	19%
Total Loans ?	$99.0M -4.1% YoY -2.6% QoQ	-$159.4M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$153.0M +9.5% YoY -0.4% QoQ	-$173.8M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	22%
Return on Assets ?	1.67% +41.2% YoY +24.5% QoQ	+0.35%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	3.64% +7.0% YoY +3.7% QoQ	-0.34%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	54.37% -15.8% YoY -11.1% QoQ	-10.11%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	0.03% -97.1% YoY -34.8% QoQ	-0.89%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	64.71% -12.4% YoY -2.2% QoQ	-13.24%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	77%
Non-Interest-Bearing Deposit Share ?	22.50% +30.2% YoY -1.0% QoQ	+0.47%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	0.02% -97.3% YoY -35.1% QoQ	-0.65%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	84%
Tier 1 Capital Ratio ?	15.40% +7.2% YoY +1.7% QoQ	-0.51%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.21% +110.1% YoY +366.1% QoQ	-0.36%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	53%

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	22.5% +5.2pp YoY -0.2pp QoQ	+0.4pp	22.1%	22.3%	22.2%	56%
Brokered Deposits	5.9% -6.2pp YoY -3.2pp QoQ	-2.0pp	7.9%	8.7%	8.5%	58%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	11.3% -0.9pp YoY -0.4pp QoQ	-0.2pp	11.6%	12.6%	12.5%	60%
CRE	38.1% -0.6pp YoY +2.0pp QoQ	-1.4pp	39.5%	28.8%	41.4%	49%
1-4 Family	9.2% +0.4pp YoY +0.5pp QoQ	-23.4pp	32.6%	26.7%	31.3%	10%
Consumer	2.6% -0.5pp YoY -0.1pp QoQ	-1.5pp	4.1%	4.6%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	15.4% +1.0pp YoY +0.3pp QoQ	-3.4pp	18.8%	23.3%	19.7%	54%
Leverage Ratio	10.6% +0.4pp YoY -0.2pp QoQ	-1.5pp	12.2%	12.6%	12.6%	44%
Total Capital Ratio	16.5% +1.1pp YoY +0.2pp QoQ	-3.4pp	19.9%	24.4%	20.8%	52%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	19 -1 (-5.0%) YoY 0 QoQ	-40	58	70	482	9%
Assets per Employee ($)	$8.8M +10.6% YoY -2.2% QoQ	+$1.3M	$7.5M	$7.1M	$8.8M	78%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.3pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	23%
Nonaccrual	0.0% -0.8pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	5%
Allowance Coverage	38.61x +3622.4% YoY +58.4% QoQ	+14.45x	24.15x	22.44x	20.23x	93%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.1%	0.2%	66%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	23.3% +2.5pp YoY +3.9pp QoQ	+11.1pp	12.2%	14.3%	11.6%	94%
Cost of Funds (YTD)	1.6% -0.6pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	46%
Net Income ($, YTD)	$1.4M +44.6% YoY — QoQ	-$1.2M	$2.6M	$3.7M	$40.4M	39%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

423

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#423 of 2643 Top 16.0% in $100M-$1B

481

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#481 of 2633 Top 18.2% in $100M-$1B

614

Loan-to-Deposit Ratio

liquidity

Value: 64.71%

Peer Median: 77.95%

#614 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (3 metrics)

2151

Total Assets

size

Value: $167.25M

Peer Median: $386.57M

#2151 of 2643 Bottom 18.7% in $100M-$1B

2149

Total Loans

size

Value: $98.99M

Peer Median: $258.35M

#2149 of 2643 Bottom 18.7% in $100M-$1B

2055

Total Deposits

size

Value: $152.98M

Peer Median: $326.73M

#2055 of 2643 Bottom 22.3% in $100M-$1B