BlastPoint's Banking Scorecard
The Stockgrowers State Bank of Ashland, Kansas
Ashland, 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 +0.9% year over year ($181.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.50%.
- Efficiency ratio 63.61% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.22% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Stockgrowers State Bank of Ashland, Kansas demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 32.8% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.18% above tier average
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 0.87% 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 ? |
$227.1M
+4.5% YoY
+3.7% QoQ
|
-$159.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$149.0M
+17.5% YoY
+8.4% QoQ
|
-$109.3M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$181.3M
+0.9% YoY
-2.0% QoQ
|
-$145.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.50%
+29.9% YoY
-5.5% QoQ
|
+0.18% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.08%
+18.0% YoY
-0.3% QoQ
|
+0.09% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
63.61%
-3.8% YoY
+3.6% QoQ
|
-0.87% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
47% |
| 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 ? |
82.22%
+16.4% YoY
+10.6% QoQ
|
+4.27% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
17.36%
+4.0% YoY
-6.5% QoQ
|
-4.67% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
33% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.13%
+6.0% YoY
+2.6% QoQ
|
-1.78% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.22%
+7.4% YoY
+93.3% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
17.4%
+0.7pp YoY -1.2pp QoQ |
-4.8pp | 22.1% | 22.3% | 22.2% | 33% |
| 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 |
9.4%
-0.9pp YoY -1.6pp QoQ |
-2.1pp | 11.6% | 12.6% | 12.5% | 49% |
| CRE |
1.4%
-0.9pp YoY -0.1pp QoQ |
-38.2pp | 39.5% | 28.8% | 41.4% | 0% |
| 1-4 Family |
8.2%
-0.4pp YoY -0.4pp QoQ |
-24.5pp | 32.6% | 26.7% | 31.3% | 9% |
| Consumer |
1.0%
-0.4pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 4.6% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
14.1%
+0.8pp YoY +0.4pp QoQ |
+2.0pp | 12.2% | 12.6% | 12.6% | 82% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
-1 (-2.9%) YoY +1 (+3.1%) QoQ |
-26 | 58 | 70 | 482 | 31% |
| Assets per Employee ($) |
$6.9M
+7.6% YoY +0.6% QoQ |
-$635K | $7.5M | $7.1M | $8.8M | 50% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+1.0pp YoY -0.7pp QoQ |
-0.6pp | 12.2% | 14.3% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.5%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 36% |
| Net Income ($, YTD) |
$1.7M
+24.0% YoY — QoQ |
-$874K | $2.6M | $3.7M | $40.4M | 46% |
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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.