BlastPoint's Banking Scorecard
The Walton State Bank
Designations: ✓ Community bank
Walton, 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +14.8% year over year ($10.1M on the books).
- Delinquency rate 0.00%.
- Return on assets -0.02%.
- Efficiency ratio 93.45% vs a 119.40% peer average.
- Loan-to-deposit ratio 29.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Walton State Bank has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 28.78% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Non-Interest Income / Assets 0.56% below tier average
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 25.94% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$13.0M
+10.7% YoY
+3.9% QoQ
|
-$49.4M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.5% in tier |
| Total Loans ? |
$3.0M
+0.6% YoY
-6.4% QoQ
|
-$31.9M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.5% in tier |
| Total Deposits ? |
$10.1M
+14.8% YoY
+5.5% QoQ
|
-$41.6M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.9% in tier |
| Return on Assets ? |
-0.02%
+97.9% YoY
+97.0% QoQ
|
-1.01% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 13.4% in tier |
| Net Interest Margin ? |
4.40%
+17.1% YoY
+1.9% QoQ
|
+0.49% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
93.45%
-25.3% YoY
-17.9% QoQ
|
-25.94% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-1.48% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
29.99%
-12.4% YoY
-11.3% QoQ
|
-44.22% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 9.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
52.27%
+15.6% YoY
+2.4% QoQ
|
+28.78% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 2.2% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.84% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
60.41%
-1.7% YoY
+1.0% QoQ
|
+33.28% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 6.9% in tier |
| Non-Interest Income / Assets ? |
0.82%
+44.3% YoY
+255.2% QoQ
|
-0.56% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 5.8% 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 |
52.3%
+7.1pp YoY +1.2pp QoQ |
+27.6pp | 24.6% | 22.3% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
12.0%
-16.1pp YoY -1.8pp QoQ |
-1.4pp | 13.4% | 12.6% | 12.5% | 59% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
10.7%
-4.3pp YoY -2.4pp QoQ |
-24.3pp | 35.0% | 26.7% | 31.3% | 22% |
| Consumer |
3.0%
-5.6pp YoY -0.3pp QoQ |
-4.7pp | 7.7% | 4.6% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
60.4%
-1.0pp YoY +0.6pp QoQ |
+21.7pp | 38.7% | 23.3% | 19.7% | 88% |
| Leverage Ratio |
15.4%
-2.5pp YoY -3.2pp QoQ |
-2.3pp | 17.7% | 12.6% | 12.6% | 71% |
| Total Capital Ratio |
61.6%
-0.8pp YoY +0.7pp QoQ |
+21.9pp | 39.7% | 24.4% | 20.8% | 88% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
+1 (+25.0%) YoY 0 QoQ |
-7 | 12 | 70 | 482 | 7% |
| Assets per Employee ($) |
$2.6M
-11.5% YoY +3.9% QoQ |
-$3.6M | $6.2M | $7.1M | $8.8M | 6% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.1%
+3.8pp YoY +2.2pp QoQ |
-6.5pp | 6.4% | 14.3% | 11.6% | 13% |
| Cost of Funds (YTD) |
0.6%
-0.9pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$-1000.0
+98.1% YoY — QoQ |
-$319K | $317,817 | $3.7M | $40.4M | 13% |
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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.