BlastPoint's Banking Scorecard
The First State Bank of Healy
Healy, 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 -8.2% year over year ($86.5M on the books).
- Delinquency rate 0.90%.
- Return on assets 1.36%.
- Efficiency ratio 55.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.42% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank of Healy has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.89% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.88% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.8M
-8.4% YoY
-3.9% QoQ
|
-$277.7M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.4% in tier |
| Total Loans ? |
$65.2M
-14.1% YoY
+4.9% QoQ
|
-$193.1M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.7% in tier |
| Total Deposits ? |
$86.5M
-8.2% YoY
-6.7% QoQ
|
-$240.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.7% in tier |
| Return on Assets ? |
1.36%
+4.9% YoY
+14.0% QoQ
|
+0.04% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
3.11%
+9.8% YoY
+5.6% QoQ
|
-0.88% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.0% in tier |
| Efficiency Ratio ? |
55.59%
+4.7% YoY
-0.5% QoQ
|
-8.89% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.90%
+104.0% YoY
-6.6% QoQ
|
-0.02% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
75.42%
-6.4% YoY
+12.4% QoQ
|
-2.53% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
12.62%
+46.2% YoY
-5.3% QoQ
|
-9.41% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? |
0.62%
+121.0% YoY
+2.3% QoQ
|
-0.04% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
16.77%
+12.4% YoY
+3.3% QoQ
|
+0.86% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.08%
+14.3% YoY
+97.1% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.7% in tier |
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 |
12.6%
+4.0pp YoY -0.7pp QoQ |
-9.5pp | 22.1% | 22.3% | 22.2% | 16% |
| Brokered Deposits |
14.6%
-10.1pp YoY -3.9pp QoQ |
+6.7pp | 7.9% | 8.7% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.7%
-0.9pp YoY -0.8pp QoQ |
+7.1pp | 11.6% | 12.6% | 12.5% | 86% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
0.9%
0.0pp YoY -0.1pp QoQ |
-31.7pp | 32.6% | 26.7% | 31.3% | 1% |
| Consumer |
0.6%
0.0pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 4.6% | 5.0% | 18% |
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 |
16.8%
+1.9pp YoY +0.5pp QoQ |
+4.6pp | 12.2% | 12.6% | 12.6% | 93% |
| 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 |
8
+1 (+14.3%) YoY 0 QoQ |
-51 | 58 | 70 | 482 | 0% |
| Assets per Employee ($) |
$13.6M
-19.9% YoY -3.9% QoQ |
+$6.1M | $7.5M | $7.1M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
+0.5pp YoY -0.1pp QoQ |
0.0pp | 0.9% | 0.8% | 1.0% | 69% |
| Allowance Coverage |
1.93x
-43.0% YoY +2.0% QoQ |
-22.22x | 24.15x | 22.44x | 20.23x | 46% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-1.2pp YoY +0.9pp QoQ |
-2.5pp | 12.2% | 14.3% | 11.6% | 35% |
| Cost of Funds (YTD) |
2.1%
-0.5pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.6% | 1.7% | 78% |
| Net Income ($, YTD) |
$774,000
+1.2% YoY — QoQ |
-$1.8M | $2.6M | $3.7M | $40.4M | 19% |
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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.