BlastPoint's Banking Scorecard

Outdoor Bank

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

Manhattan, KS

11 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in 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 0.1% in tier
- Delinquency Rate 2.15% above tier average
- Nonperforming Asset Ratio 1.79% above tier average
- ROA 0.83% below tier average
- Net Interest Margin 0.09% below tier average
- Efficiency Ratio 16.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$634.0M -8.2% YoY -4.1% QoQ	+$247.9M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$461.5M -3.4% YoY -3.2% QoQ	+$205.8M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 14.6% in tier
Total Deposits ?	$557.0M -9.7% YoY -4.9% QoQ	+$229.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	0.44% +128.6% YoY +453.3% QoQ	-0.83%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Bottom 11.6% in tier
Net Interest Margin ?	3.84% -4.0% YoY -6.6% QoQ	-0.09%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	49%
Efficiency Ratio ?	81.83% +20.3% YoY +8.4% QoQ	+16.55%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Bottom 13.1% in tier
Delinquency Rate ?	3.03% +37.0% YoY +3.4% QoQ	+2.15%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 6.0% in tier
Loan-to-Deposit Ratio ?	82.86% +7.0% YoY +1.7% QoQ	+6.22%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	18.18% +12.0% YoY -7.9% QoQ	-3.84%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	2.43% +57.1% YoY +7.9% QoQ	+1.79%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 4.6% in tier
Tier 1 Capital Ratio ?	9.52% +5.6% YoY -2.7% QoQ	-6.31%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 4.6% in tier
Non-Interest Income / Assets ?	0.04% -2.8% YoY -77.4% QoQ	-0.24%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	17%

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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 (1)

Capital Thin

risk

#1 of 666 • Bottom 0.1% 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: 9.52%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

389

Total Loans

size

Value: $461.53M

Peer Median: $255.72M

#389 of 2664 Top 14.6% in $100M-$1B

419

Total Deposits

size

Value: $557.00M

Peer Median: $327.97M

#419 of 2664 Top 15.7% in $100M-$1B

453

Total Assets

size

Value: $633.99M

Peer Median: $386.08M

#453 of 2664 Top 17.0% in $100M-$1B

Top Weaknesses (6 metrics)

2542

Tier 1 Capital Ratio

capital

Value: 9.52%

Peer Median: 15.83%

#2542 of 2664 Bottom 4.6% in $100M-$1B

2542

Nonperforming Asset Ratio

credit_quality

Value: 2.43%

Peer Median: 0.64%

#2542 of 2664 Bottom 4.6% in $100M-$1B

2495

Delinquency Rate

credit_quality

Value: 3.03%

Peer Median: 0.89%

#2495 of 2654 Bottom 6.0% in $100M-$1B

2356

Return on Assets

profitability

Value: 0.44%

Peer Median: 1.27%

#2356 of 2664 Bottom 11.6% in $100M-$1B

2315

Efficiency Ratio

profitability

Value: 81.83%

Peer Median: 65.29%

#2315 of 2664 Bottom 13.1% in $100M-$1B

2214

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2214 of 2664 Bottom 16.9% in $100M-$1B