BlastPoint's Banking Scorecard
Kaw Valley State Bank and Trust Company
Wamego, KS
3 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 +1.3% year over year ($250.6M on the books).
- Delinquency rate 0.08%.
- Return on assets 2.17%.
- Efficiency ratio 46.37% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Kaw Valley State Bank and Trust Company has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7.3% in tier
- + Efficiency Ratio 18.11% below tier average
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$295.8M
+0.9% YoY
+0.3% QoQ
|
-$90.8M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$192.7M
+25.7% YoY
+5.5% QoQ
|
-$65.6M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$250.6M
+1.3% YoY
-3.7% QoQ
|
-$76.2M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
45% |
| Return on Assets ? |
2.17%
+56.7% YoY
+13.7% QoQ
|
+0.84% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 9.5% in tier |
| Net Interest Margin ? |
3.66%
+20.1% YoY
+6.0% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
46.37%
-22.2% YoY
-4.9% QoQ
|
-18.11% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 10.8% in tier |
| Delinquency Rate ? |
0.08%
-72.9% YoY
-10.8% QoQ
|
-0.83% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
76.92%
+24.1% YoY
+9.6% QoQ
|
-1.03% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
18.91%
+1.5% YoY
-3.3% QoQ
|
-3.12% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.05%
-66.3% YoY
-6.1% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.73%
+2.7% YoY
+3.9% QoQ
|
-4.18% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.27%
+5.0% YoY
+100.2% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
67% |
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 |
18.9%
+0.3pp YoY -0.6pp QoQ |
-3.2pp | 22.1% | 22.3% | 22.2% | 40% |
| 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 |
12.8%
-2.3pp YoY +1.1pp QoQ |
+1.3pp | 11.6% | 12.6% | 12.5% | 68% |
| CRE |
20.9%
-2.0pp YoY -0.3pp QoQ |
-18.6pp | 39.5% | 28.8% | 41.4% | 20% |
| 1-4 Family |
30.9%
-0.3pp YoY +1.5pp QoQ |
-1.8pp | 32.6% | 26.7% | 31.3% | 53% |
| Consumer |
2.2%
-0.7pp YoY 0.0pp QoQ |
-1.9pp | 4.1% | 4.6% | 5.0% | 50% |
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 |
11.7%
+0.3pp YoY +0.4pp QoQ |
-0.4pp | 12.2% | 12.6% | 12.6% | 61% |
| 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 |
45
0 YoY +1 (+2.3%) QoQ |
-14 | 58 | 70 | 482 | 47% |
| Assets per Employee ($) |
$6.6M
+0.9% YoY -2.0% QoQ |
-$945K | $7.5M | $7.1M | $8.8M | 44% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 41% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 6% |
| Allowance Coverage |
14.29x
+206.6% YoY +8.6% QoQ |
-9.87x | 24.15x | 22.44x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.6%
+6.0pp YoY +2.1pp QoQ |
+7.4pp | 12.2% | 14.3% | 11.6% | 87% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY -0.1pp QoQ |
+0.2pp | 1.7% | 1.6% | 1.7% | 66% |
| Net Income ($, YTD) |
$3.2M
+69.3% YoY — QoQ |
+$684K | $2.6M | $3.7M | $40.4M | 73% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.