BlastPoint's Banking Scorecard
The First State Bank of Healy
Healy, KS
The First State Bank of Healy has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.41% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.99% below tier average
- - ROA 0.08% below tier average
- - Delinquency Rate 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.2M
-3.1% YoY
-5.2% QoQ
|
-$272.8M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.9% in tier |
| Total Loans ? |
$62.2M
-16.8% YoY
-10.2% QoQ
|
-$193.5M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.4% in tier |
| Total Deposits ? |
$92.7M
-0.7% YoY
-6.6% QoQ
|
-$235.3M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.5% in tier |
| Return on Assets ? |
1.19%
-5.7% YoY
-3.2% QoQ
|
-0.08% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
49% |
| Net Interest Margin ? |
2.94%
+6.5% YoY
+3.1% QoQ
|
-0.99% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.0% in tier |
| Efficiency Ratio ? |
55.87%
+5.2% YoY
+1.0% QoQ
|
-9.41% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
0.97%
+81.1% YoY
+180.2% QoQ
|
+0.08% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
67.09%
-16.3% YoY
-3.9% QoQ
|
-9.55% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
13.32%
+36.1% YoY
+5.8% QoQ
|
-8.69% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.61%
+79.0% YoY
+205.4% QoQ
|
-0.03% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
16.24%
+8.0% YoY
+2.5% QoQ
|
+0.41% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.04%
+7.8% YoY
-70.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.8% in tier |
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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.