BlastPoint's Banking Scorecard
Astra Bank
Scandia, KS
7 branches across KS
Astra Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Net Interest Margin 0.44% below tier average
- - Efficiency Ratio 12.37% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$429.2M
+3.5% YoY
-1.5% QoQ
|
+$43.1M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$216.3M
-2.0% YoY
-4.4% QoQ
|
-$39.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
52% |
| Total Deposits ? |
$377.9M
-2.2% YoY
-1.7% QoQ
|
+$50.0M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
0.60%
-5.9% YoY
-14.3% QoQ
|
-0.67% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.49%
-0.6% YoY
-0.9% QoQ
|
-0.44% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
77.65%
-5.2% YoY
+5.2% QoQ
|
+12.37% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.01%
-87.5% YoY
-97.2% QoQ
|
-0.88% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Top 13.0% in tier |
| Loan-to-Deposit Ratio ? |
57.23%
+0.2% YoY
-2.7% QoQ
|
-19.41% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
16.42%
-1.1% YoY
+11.9% QoQ
|
-5.60% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.00%
-88.2% YoY
-97.2% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.9% in tier |
| Tier 1 Capital Ratio ? |
12.35%
+11.8% YoY
+0.7% QoQ
|
-3.48% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.10%
-6.3% YoY
-89.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
50% |
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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.