BlastPoint's Banking Scorecard

The Walton State Bank

under $100M Specialty: Other KS FDIC cert 17982

Designations: ✓ Community bank

Walton, KS

541 banks in the under $100M peer group nationally 48 in KS

The Walton State Bank has 5 strengths but faces 2 concerns

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

+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 27.32% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Non-Interest Income / Assets 0.43% below tier average
+ Net Interest Margin 0.46% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 25.53% above tier average
- ROA 1.38% below tier average

Get updates when The Walton State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$12.5M -6.3% YoY +15.4% QoQ	-$49.6M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 1.8% in tier
Total Loans ?	$3.2M +5.7% YoY -0.2% QoQ	-$31.0M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 4.8% in tier
Total Deposits ?	$9.5M -7.9% YoY +19.9% QoQ	-$42.2M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 4.6% in tier
Return on Assets ?	-0.55% +66.8% YoY +48.2% QoQ	-1.38%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Bottom 10.9% in tier
Net Interest Margin ?	4.32% +23.4% YoY +0.0% QoQ	+0.46%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	113.87% -22.4% YoY -12.5% QoQ	+25.53%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Bottom 10.0% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-1.37%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	33.81% +14.7% YoY -16.8% QoQ	-30.40%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 11.8% in tier
Non-Interest-Bearing Deposit Share ?	51.03% +56.5% YoY +13.3% QoQ	+27.32%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Top 3.1% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.79%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	46.54% -23.8% YoY -17.8% QoQ	+19.85%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Top 7.8% in tier
Non-Interest Income / Assets ?	0.23% +62.9% YoY -59.5% QoQ	-0.43%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 10.0% in tier

Get Full Access to The Walton State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 51.03%

Peer Median: 23.71%

#18 of 541 Top 3.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 46.54%

Peer Median: 26.68%

#43 of 541 Top 7.8% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.67%

#55 of 541 Top 10.0% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 33.81%

Peer Median: 64.22%

#65 of 541 Top 11.8% in under $100M

Top Weaknesses (5 metrics)

532

Total Assets

size

Value: $12.54M

Peer Median: $62.16M

#532 of 541 Bottom 1.8% in under $100M

517

Total Deposits

size

Value: $9.55M

Peer Median: $51.74M

#517 of 541 Bottom 4.6% in under $100M

516

Total Loans

size

Value: $3.23M

Peer Median: $34.25M

#516 of 541 Bottom 4.8% in under $100M

488

Efficiency Ratio

profitability

Value: 113.87%

Peer Median: 88.34%

#488 of 541 Bottom 10.0% in under $100M

483

Return on Assets

profitability

Value: -0.55%

Peer Median: 0.84%

#483 of 541 Bottom 10.9% in under $100M