BlastPoint's Banking Scorecard
Vintage Bank Kansas
Leon, KS
12 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 +7.0% year over year ($231.4M on the books).
- Delinquency rate 0.54%.
- Return on assets 1.70%.
- Efficiency ratio 55.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Vintage Bank Kansas shows strong momentum with 4 strengths and 8.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.38% above tier average
- + Net Interest Margin 0.46% above tier average
- + Efficiency Ratio 8.79% below tier average
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.6M
+8.4% YoY
+5.4% QoQ
|
-$98.0M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$179.0M
+7.3% YoY
-0.4% QoQ
|
-$79.3M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$231.4M
+7.0% YoY
+3.6% QoQ
|
-$95.4M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.70%
+18.0% YoY
-1.3% QoQ
|
+0.38% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
76% |
| Net Interest Margin ? |
4.45%
+6.0% YoY
+0.8% QoQ
|
+0.46% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
55.69%
-9.0% YoY
-0.3% QoQ
|
-8.79% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
70% |
| Delinquency Rate ? |
0.54%
-2.9% QoQ
|
-0.38% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
77.38%
+0.3% YoY
-3.8% QoQ
|
-0.58% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
25.74%
-0.4% YoY
+1.1% QoQ
|
+3.71% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.33%
-8.1% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.56%
+4.1% YoY
+0.4% QoQ
|
-4.35% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.10%
-7.1% YoY
+64.0% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
19% |
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 |
25.7%
-0.1pp YoY +0.3pp QoQ |
+3.6pp | 22.1% | 22.3% | 22.2% | 68% |
| Brokered Deposits |
3.9%
+2.2pp YoY +3.6pp QoQ |
-4.0pp | 7.9% | 8.7% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.8%
-1.5pp YoY -2.2pp QoQ |
+2.3pp | 11.6% | 12.6% | 12.5% | 72% |
| CRE |
28.8%
+1.2pp YoY +1.7pp QoQ |
-10.7pp | 39.5% | 28.8% | 41.4% | 33% |
| 1-4 Family |
25.5%
-0.4pp YoY +1.4pp QoQ |
-7.1pp | 32.6% | 26.7% | 31.3% | 42% |
| Consumer |
2.1%
-0.4pp YoY -0.1pp QoQ |
-2.0pp | 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 |
11.6%
+0.5pp YoY 0.0pp QoQ |
-0.6pp | 12.2% | 12.6% | 12.6% | 59% |
| 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 |
64
+3 (+4.9%) YoY -3 (-4.5%) QoQ |
+5 | 58 | 70 | 482 | 66% |
| Assets per Employee ($) |
$4.5M
+3.3% YoY +10.3% QoQ |
-$3.0M | $7.5M | $7.1M | $8.8M | 8% |
| Branch Count |
12
0 YoY 0 QoQ |
+7 | 4 | 6 | 18 | 95% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.5pp YoY +0.2pp QoQ |
-0.4pp | 0.9% | 0.8% | 1.0% | 54% |
| Allowance Coverage |
2.09x
-91.8% YoY +3.7% QoQ |
-22.07x | 24.15x | 22.44x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.3%
-0.1pp YoY -0.3pp QoQ |
+7.1pp | 12.2% | 14.3% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 48% |
| Net Income ($, YTD) |
$2.4M
+25.8% YoY — QoQ |
-$192K | $2.6M | $3.7M | $40.4M | 59% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.