BlastPoint's Banking Scorecard

Astra Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 17636

Scandia, KS

7 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 -0.3% year over year ($372.0M on the books).
Delinquency rate 0.03%.
Return on assets 0.59%.
Efficiency ratio 78.87% vs a 64.48% peer average.
Loan-to-deposit ratio 58.43% 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) →

Astra Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.88% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 11.5% in tier
- ROA 0.73% below tier average
- Net Interest Margin 0.50% below tier average
- Efficiency Ratio 14.39% above tier average

Get updates when Astra 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 ?	$423.3M -0.1% YoY -1.4% QoQ	+$36.7M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	64%
Total Loans ?	$217.3M -3.3% YoY +0.5% QoQ	-$41.0M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	52%
Total Deposits ?	$372.0M -0.3% YoY -1.6% QoQ	+$45.2M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	66%
Return on Assets ?	0.59% -9.2% YoY -1.5% QoQ	-0.73%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Bottom 14.7% in tier
Net Interest Margin ?	3.49% -2.4% YoY -0.2% QoQ	-0.50%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	27%
Efficiency Ratio ?	78.87% -3.4% YoY +1.6% QoQ	+14.39%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Bottom 14.9% in tier
Delinquency Rate ?	0.03% -46.5% YoY +513.7% QoQ	-0.88%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	82%
Loan-to-Deposit Ratio ?	58.43% -3.0% YoY +2.1% QoQ	-19.53%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	85%
Non-Interest-Bearing Deposit Share ?	15.11% -2.3% YoY -8.0% QoQ	-6.92%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	25%
Nonperforming Asset Ratio ?	0.02% -48.2% YoY +525.2% QoQ	-0.65%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	85%
Tier 1 Capital Ratio ?	13.11% +16.6% YoY +6.2% QoQ	-2.79%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.20% -2.3% YoY +107.6% QoQ	-0.36%	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	15.1% -0.4pp YoY -1.3pp QoQ	-7.0pp	22.1%	22.3%	22.2%	24%
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	15.7% +2.5pp YoY 0.0pp QoQ	+4.1pp	11.6%	12.6%	12.5%	78%
CRE	12.5% -1.5pp YoY -0.4pp QoQ	-27.1pp	39.5%	28.8%	41.4%	8%
1-4 Family	15.0% -0.4pp YoY +0.3pp QoQ	-17.7pp	32.6%	26.7%	31.3%	19%
Consumer	1.4% -0.7pp YoY -0.2pp QoQ	-2.7pp	4.1%	4.6%	5.0%	38%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	13.1% +1.9pp YoY +0.8pp QoQ	-5.7pp	18.8%	23.3%	19.7%	29%
Leverage Ratio	9.3% +1.0pp YoY +0.3pp QoQ	-2.9pp	12.2%	12.6%	12.6%	17%
Total Capital Ratio	13.9% +1.9pp YoY +0.8pp QoQ	-6.0pp	19.9%	24.4%	20.8%	25%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	68 -4 (-5.6%) YoY -1 (-1.4%) QoQ	+9	58	70	482	69%
Assets per Employee ($)	$6.2M +5.7% YoY +0.1% QoQ	-$1.3M	$7.5M	$7.1M	$8.8M	38%
Branch Count	7 -1 (-12.5%) YoY 0 QoQ	+2	4	6	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	31%
Nonaccrual	0.0% 0.0pp YoY	-0.9pp	0.9%	0.8%	1.0%	1%
Allowance Coverage	32.03x +92.8% YoY -83.9% QoQ	+7.87x	24.15x	22.44x	20.23x	92%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	12.9% -9.7pp YoY -0.6pp QoQ	+0.8pp	12.2%	14.3%	11.6%	56%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	46%
Net Income ($, YTD)	$1.3M -7.2% YoY — QoQ	-$1.3M	$2.6M	$3.7M	$40.4M	35%

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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 (1)

Flatlined Growth

risk

#62 of 529 • Bottom 11.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.59%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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).

Compare against:

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

Top Strengths (3 metrics)

405

Loan-to-Deposit Ratio

liquidity

Value: 58.43%

Peer Median: 77.95%

#405 of 2643 Top 15.3% in $100M-$1B

410

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#410 of 2643 Top 15.5% in $100M-$1B

484

Delinquency Rate

credit_quality

Value: 0.03%

Peer Median: 0.92%

#484 of 2633 Top 18.3% in $100M-$1B

Top Weaknesses (3 metrics)

2256

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.32%

#2256 of 2643 Bottom 14.7% in $100M-$1B

2250

Efficiency Ratio

profitability

Value: 78.87%

Peer Median: 64.48%

#2250 of 2643 Bottom 14.9% in $100M-$1B

1985

Non-Interest-Bearing Deposit Share

funding

Value: 15.11%

Peer Median: 22.03%

#1985 of 2643 Bottom 24.9% in $100M-$1B