BlastPoint's Banking Scorecard
Bank of Prairie Village
Prairie Village, KS
Bank of Prairie Village has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6.6% in tier
- + ROA 0.10% above tier average
- + Net Interest Margin 0.55% above tier average
- + Efficiency Ratio 4.82% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.3% in tier
- - Credit Risk Growth: Bottom 11.6% in tier
- - Margin Compression: Bottom 57.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$164.9M
+5.9% YoY
+10.2% QoQ
|
-$221.2M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$123.7M
+5.2% YoY
+3.3% QoQ
|
-$132.0M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$147.2M
+5.7% YoY
+11.3% QoQ
|
-$180.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.37%
-9.9% YoY
-13.1% QoQ
|
+0.10% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
60% |
| Net Interest Margin ? |
4.48%
+6.8% YoY
-1.7% QoQ
|
+0.55% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
60.46%
+0.6% YoY
+2.0% QoQ
|
-4.82% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
0.07%
+46.2% YoY
-4.4% QoQ
|
-0.82% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
84.06%
-0.5% YoY
-7.1% QoQ
|
+7.42% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
26.20%
-14.4% YoY
-21.7% QoQ
|
+4.18% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.05%
+45.2% YoY
-10.4% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.30%
+2.5% YoY
+2.6% QoQ
|
-4.53% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
27% |
| Non-Interest Income / Assets ? |
0.03%
-7.2% YoY
-77.2% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.1% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.