BlastPoint

BlastPoint's Banking Scorecard

Halstead Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 17451

Halstead, KS

4 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 +5.9% year over year ($187.7M on the books).
  • Delinquency rate 0.29%.
  • Return on assets 1.64%.
  • Efficiency ratio 59.34% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.20% 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) →

Halstead Bank has 4 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 0.31% above tier average
  • + Net Interest Margin 0.66% above tier average
  • + Efficiency Ratio 5.14% below tier average
  • + Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.0% in tier
  • - Credit Quality Pressure: Bottom 38.9% in tier
Get updates when Halstead 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 ? $205.9M
+5.8% YoY -2.4% QoQ
-$180.7M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
28%
Total Loans ? $143.0M
+1.3% YoY +3.2% QoQ
-$115.3M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $187.7M
+5.9% YoY -2.5% QoQ
-$139.0M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.64%
-3.1% YoY +9.2% QoQ
+0.31% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
73%
Net Interest Margin ? 4.65%
+1.9% YoY +0.4% QoQ
+0.66% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
84%
Efficiency Ratio ? 59.34%
+2.7% YoY -5.0% QoQ
-5.14% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 0.29%
+5.0% QoQ
-0.63% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
58%
Loan-to-Deposit Ratio ? 76.20%
-4.4% YoY +5.9% QoQ
-1.75% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 25.64%
+11.2% YoY +2.6% QoQ
+3.61% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
68%
Nonperforming Asset Ratio ? 0.20%
+11.1% QoQ
-0.47% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 11.32%
+2.2% YoY -5.2% QoQ
-4.59% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.20%
-0.2% YoY +98.7% QoQ
-0.37% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
50%

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 25.6%
+2.6pp YoY
+0.6pp QoQ
 +3.5pp 22.1% 22.3% 22.2% 68%
Brokered Deposits 1.1%
-4.0pp YoY
-1.5pp QoQ
 -6.8pp 7.9% 8.7% 8.5% 20%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
C&I 8.3%
-0.6pp YoY
-0.2pp QoQ
 -3.2pp 11.6% 12.6% 12.5% 42%
CRE 21.7%
-3.6pp YoY
+0.9pp QoQ
 -17.8pp 39.5% 28.8% 41.4% 21%
1-4 Family 26.9%
+1.1pp YoY
-1.2pp QoQ
 -5.7pp 32.6% 26.7% 31.3% 44%
Consumer 5.8%
-0.8pp YoY
-0.2pp QoQ
 +1.6pp 4.1% 4.6% 5.0% 81%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 11.3%
+0.2pp YoY
-0.6pp QoQ
 -7.5pp 18.8% 23.3% 19.7% 10%
Leverage Ratio 8.6%
-0.1pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 12.6% 12.6% 7%
Total Capital Ratio 12.6%
+0.3pp YoY
-0.6pp QoQ
 -7.4pp 19.9% 24.4% 20.8% 12%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 26
0 YoY
0 QoQ
 -33 58 70 482 21%
Assets per Employee ($) $7.9M
+5.8% YoY
-2.4% QoQ
 +$401K $7.5M $7.1M $8.8M 67%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 52%
Nonaccrual 0.2%
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 28%
Allowance Coverage 4.78x
-99.7% YoY
-4.1% QoQ
 -19.37x 24.15x 22.44x 20.23x 69%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 19.0%
-0.6pp YoY
+1.8pp QoQ
 +6.8pp 12.2% 14.3% 11.6% 85%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 59%
Net Income ($, YTD) $1.7M
+3.6% YoY
— QoQ
 -$892K $2.6M $3.7M $40.4M 46%

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 (2)

Credit Risk Growth

risk
#104 of 936 • Bottom 11.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#489 of 1256 • Bottom 38.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.29%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

429
Net Interest Margin
profitability
Value: 4.65%
Peer Median: 3.99%
#429 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026