BlastPoint's Banking Scorecard

Outdoor Bank

$100M-$1B Specialty: Commercial KS FDIC cert 17685

Manhattan, KS

11 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 +5.0% year over year ($572.1M on the books).
Delinquency rate 3.92%.
Return on assets -0.26%.
Efficiency ratio 80.73% vs a 64.48% peer average.
Loan-to-deposit ratio 80.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Outdoor Bank faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 28.6% in tier
- Efficiency Drag: Bottom 46.5% in tier
- Return on Assets 1.58% below tier average
- Delinquency Rate 3.01% above tier average
- Nonperforming Asset Ratio 2.31% above tier average
- Net Interest Margin 0.11% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$648.8M +4.7% YoY +2.3% QoQ	+$262.2M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$463.2M -5.7% YoY +0.4% QoQ	+$204.8M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 14.5% in tier
Total Deposits ?	$572.1M +5.0% YoY +2.7% QoQ	+$245.3M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 14.3% in tier
Return on Assets ?	-0.26% +48.8% YoY -158.9% QoQ	-1.58%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Bottom 2.4% in tier
Net Interest Margin ?	3.88% -4.3% YoY +1.0% QoQ	-0.11%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	80.73% +14.7% YoY -1.4% QoQ	+16.25%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Bottom 12.9% in tier
Delinquency Rate ?	3.92% +91.2% YoY +29.3% QoQ	+3.01%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Bottom 3.7% in tier
Loan-to-Deposit Ratio ?	80.96% -10.2% YoY -2.3% QoQ	+3.01%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	16.60% -3.6% YoY -8.7% QoQ	-5.43%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	31%
Nonperforming Asset Ratio ?	2.98% +79.1% YoY +22.9% QoQ	+2.31%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Bottom 3.4% in tier
Tier 1 Capital Ratio ?	9.24% +3.5% YoY -2.9% QoQ	-6.67%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 2.7% in tier
Non-Interest Income / Assets ?	0.09% -14.9% YoY +108.9% QoQ	-0.47%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	16%

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	16.6% -0.6pp YoY -1.6pp QoQ	-5.5pp	22.1%	22.3%	22.2%	30%
Brokered Deposits	15.8% +5.0pp YoY +5.2pp QoQ	+8.0pp	7.9%	8.7%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	13.7% -6.0pp YoY -2.0pp QoQ	+2.1pp	11.6%	12.6%	12.5%	71%
CRE	46.5% +4.3pp YoY +3.5pp QoQ	+6.9pp	39.5%	28.8%	41.4%	65%
1-4 Family	20.5% +3.0pp YoY -0.4pp QoQ	-12.1pp	32.6%	26.7%	31.3%	31%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	4.6%	5.0%	6%

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	9.2% +0.3pp YoY -0.3pp QoQ	-2.9pp	12.2%	12.6%	12.6%	16%
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	92 0 YoY +2 (+2.2%) QoQ	+33	58	70	482	83%
Assets per Employee ($)	$7.1M +4.7% YoY +0.1% QoQ	-$467K	$7.5M	$7.1M	$8.8M	53%
Branch Count	11 0 YoY 0 QoQ	+6	4	6	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	20%
Nonaccrual	3.9% +1.9pp YoY +1.0pp QoQ	+3.0pp	0.9%	0.8%	1.0%	96%
Allowance Coverage	0.66x -40.2% YoY -23.3% QoQ	-23.50x	24.15x	22.44x	20.23x	16%
Net Charge-off Rate (YTD)	1.0% -0.5pp YoY +1.3pp QoQ	+0.9pp	0.1%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	-2.6% +2.8pp YoY -7.1pp QoQ	-14.8pp	12.2%	14.3%	11.6%	2%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.6%	1.7%	88%
Net Income ($, YTD)	$-831000.0 +48.3% YoY — QoQ	-$3.4M	$2.6M	$3.7M	$40.4M	2%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#190 of 661 • Bottom 28.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.24%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Efficiency Drag

risk

#169 of 361 • Bottom 46.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.73%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

378

Total Deposits

size

Value: $572.08M

Peer Median: $326.73M

#378 of 2643 Top 14.3% in $100M-$1B

384

Total Loans

size

Value: $463.18M

Peer Median: $258.35M

#384 of 2643 Top 14.5% in $100M-$1B

420

Total Assets

size

Value: $648.75M

Peer Median: $386.57M

#420 of 2643 Top 15.9% in $100M-$1B

Top Weaknesses (6 metrics)

2580

Return on Assets

profitability

Value: -0.26%

Peer Median: 1.32%

#2580 of 2643 Bottom 2.4% in $100M-$1B

2573

Tier 1 Capital Ratio

capital

Value: 9.24%

Peer Median: 15.91%

#2573 of 2643 Bottom 2.7% in $100M-$1B

2554

Nonperforming Asset Ratio

credit_quality

Value: 2.98%

Peer Median: 0.67%

#2554 of 2643 Bottom 3.4% in $100M-$1B

2537

Delinquency Rate

credit_quality

Value: 3.92%

Peer Median: 0.92%

#2537 of 2633 Bottom 3.7% in $100M-$1B

2303

Efficiency Ratio

profitability

Value: 80.73%

Peer Median: 64.48%

#2303 of 2643 Bottom 12.9% in $100M-$1B

2211

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2211 of 2643 Bottom 16.4% in $100M-$1B