BlastPoint's Banking Scorecard
The Bendena State Bank
Bendena, KS
3 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 +22.6% year over year ($114.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.64%.
- Efficiency ratio 48.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 74.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bendena State Bank shows strong momentum with 3 strengths and 21.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.6% in tier
- + ROA 0.31% above tier average
- + Efficiency Ratio 16.23% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$131.5M
+21.3% YoY
-0.5% QoQ
|
-$255.1M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.5% in tier |
| Total Loans ? |
$85.8M
+22.8% YoY
+2.4% QoQ
|
-$172.5M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.8% in tier |
| Total Deposits ? |
$114.7M
+22.6% YoY
-3.8% QoQ
|
-$212.0M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.1% in tier |
| Return on Assets ? |
1.64%
-4.2% YoY
+0.6% QoQ
|
+0.31% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.02%
+6.6% YoY
+0.7% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
48.25%
-5.4% YoY
-1.0% QoQ
|
-16.23% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 13.6% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
74.78%
+0.1% YoY
+6.5% QoQ
|
-3.17% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
26.23%
-18.7% YoY
+20.6% QoQ
|
+4.20% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.11%
+0.5% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.76%
+2.4% YoY
+1.9% QoQ
|
-1.15% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.13%
-2.4% YoY
+95.2% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
26.2%
-6.0pp YoY +4.5pp QoQ |
+4.1pp | 22.1% | 22.3% | 22.2% | 71% |
| 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 |
7.9%
+0.3pp YoY +0.5pp QoQ |
-3.7pp | 11.6% | 12.6% | 12.5% | 39% |
| CRE |
5.7%
+0.4pp YoY -0.5pp QoQ |
-33.8pp | 39.5% | 28.8% | 41.4% | 1% |
| 1-4 Family |
23.2%
+2.8pp YoY +0.4pp QoQ |
-9.5pp | 32.6% | 26.7% | 31.3% | 37% |
| Consumer |
3.4%
-0.2pp YoY -0.2pp QoQ |
-0.7pp | 4.1% | 4.6% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
+0.3pp YoY +0.3pp QoQ |
-4.1pp | 18.8% | 23.3% | 19.7% | 47% |
| Leverage Ratio |
10.0%
0.0pp YoY +0.2pp QoQ |
-2.2pp | 12.2% | 12.6% | 12.6% | 30% |
| Total Capital Ratio |
15.8%
+0.3pp YoY +0.3pp QoQ |
-4.1pp | 19.9% | 24.4% | 20.8% | 46% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+2 (+14.3%) YoY 0 QoQ |
-43 | 58 | 70 | 482 | 5% |
| Assets per Employee ($) |
$8.2M
+6.1% YoY -0.5% QoQ |
+$701K | $7.5M | $7.1M | $8.8M | 70% |
| Branch Count |
3
+1 (+50.0%) YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.1%
-4.1pp YoY -0.1pp QoQ |
+4.9pp | 12.2% | 14.3% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 36% |
| Net Income ($, YTD) |
$1.1M
+16.2% YoY — QoQ |
-$1.5M | $2.6M | $3.7M | $40.4M | 29% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.