BlastPoint's Banking Scorecard
Bank of Prairie Village
Prairie Village, 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 +13.1% year over year ($158.4M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.34%.
- Efficiency ratio 62.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.68% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Prairie Village has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 5.2% in tier
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 2.28% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.9% in tier
- - Credit Risk Growth: Bottom 7.2% in tier
- - Margin Compression: Bottom 70.7% in tier
- - Non-Interest Income / Assets 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$175.7M
+12.4% YoY
+6.5% QoQ
|
-$210.9M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$121.5M
+3.8% YoY
-1.8% QoQ
|
-$136.9M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$158.4M
+13.1% YoY
+7.6% QoQ
|
-$168.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
1.34%
-10.1% YoY
-2.0% QoQ
|
+0.02% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
4.42%
+1.7% YoY
-1.3% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
62.20%
+2.0% YoY
+2.9% QoQ
|
-2.28% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.07%
+51.9% YoY
+0.6% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
76.68%
-8.2% YoY
-8.8% QoQ
|
-1.28% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
25.47%
-18.1% YoY
-2.8% QoQ
|
+3.44% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.05%
+40.2% YoY
-7.3% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.22%
-2.1% YoY
-9.6% QoQ
|
-5.69% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-9.5% YoY
+94.4% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.7% 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 |
25.5%
-5.6pp YoY -0.7pp QoQ |
+3.3pp | 22.1% | 22.3% | 22.2% | 67% |
| 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 |
15.9%
+1.2pp YoY -0.3pp QoQ |
+4.4pp | 11.6% | 12.6% | 12.5% | 79% |
| CRE |
44.4%
+2.1pp YoY +7.5pp QoQ |
+4.9pp | 39.5% | 28.8% | 41.4% | 61% |
| 1-4 Family |
39.9%
-2.9pp YoY -7.1pp QoQ |
+7.3pp | 32.6% | 26.7% | 31.3% | 70% |
| Consumer |
0.6%
-0.2pp YoY 0.0pp QoQ |
-3.5pp | 4.1% | 4.6% | 5.0% | 19% |
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 |
10.2%
-0.2pp YoY -1.1pp QoQ |
-2.0pp | 12.2% | 12.6% | 12.6% | 36% |
| 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 |
13
+2 (+18.2%) YoY +2 (+18.2%) QoQ |
-46 | 58 | 70 | 482 | 2% |
| Assets per Employee ($) |
$13.5M
-4.9% YoY -9.9% QoQ |
+$6.0M | $7.5M | $7.1M | $8.8M | 95% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 14% |
| Allowance Coverage |
15.45x
-20.1% YoY +5.8% QoQ |
-8.70x | 24.15x | 22.44x | 20.23x | 87% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.9%
-1.6pp YoY +0.3pp QoQ |
+0.7pp | 12.2% | 14.3% | 11.6% | 55% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 38% |
| Net Income ($, YTD) |
$1.1M
-4.7% YoY — QoQ |
-$1.5M | $2.6M | $3.7M | $40.4M | 30% |
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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.