BlastPoint's Banking Scorecard
Bank of Greeley
Designations: ✓ Community bank
Greeley, 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 +12.9% year over year ($46.8M on the books).
- Delinquency rate 0.31%.
- Return on assets 1.59%.
- Efficiency ratio 54.06% vs a 119.40% peer average.
- Loan-to-deposit ratio 49.74% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Greeley has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.59% above tier average
- + Efficiency Ratio 65.34% below tier average
- + Delinquency Rate 1.17% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.4M
+11.7% YoY
+4.1% QoQ
|
-$8.0M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
36% |
| Total Loans ? |
$23.3M
+5.1% YoY
+0.5% QoQ
|
-$11.6M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
34% |
| Total Deposits ? |
$46.8M
+12.9% YoY
+4.5% QoQ
|
-$4.9M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
1.59%
+4.2% YoY
+6.9% QoQ
|
+0.59% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
3.51%
+3.3% YoY
+0.7% QoQ
|
-0.40% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
54.06%
-1.8% YoY
-3.1% QoQ
|
-65.34% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? |
0.31%
+82.8% YoY
-37.9% QoQ
|
-1.17% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
49.74%
-6.9% YoY
-3.8% QoQ
|
-24.47% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
30.29%
+18.3% YoY
+7.7% QoQ
|
+6.80% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.13%
+71.9% YoY
-40.1% QoQ
|
-0.70% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.29%
-1.6% YoY
+1.1% QoQ
|
-14.84% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.11%
-19.8% YoY
+121.6% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
30.3%
+4.7pp YoY +2.2pp QoQ |
+5.6pp | 24.6% | 22.3% | 22.2% | 74% |
| 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 |
4.8%
-2.4pp YoY -2.1pp QoQ |
-8.6pp | 13.4% | 12.6% | 12.5% | 19% |
| CRE |
8.5%
-2.8pp YoY -1.4pp QoQ |
-16.7pp | 25.2% | 28.8% | 41.4% | 9% |
| 1-4 Family |
33.5%
+6.0pp YoY +2.0pp QoQ |
-1.5pp | 35.0% | 26.7% | 31.3% | 54% |
| Consumer |
9.2%
-1.7pp YoY -1.3pp QoQ |
+1.5pp | 7.7% | 4.6% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
12.3%
-0.2pp YoY +0.1pp QoQ |
-5.4pp | 17.7% | 12.6% | 12.6% | 44% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 70 | 482 | 20% |
| Assets per Employee ($) |
$7.8M
+11.7% YoY +4.1% QoQ |
+$1.6M | $6.2M | $7.1M | $8.8M | 77% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 12% |
| Nonaccrual |
0.3%
+0.1pp YoY -0.2pp QoQ |
-1.5pp | 1.7% | 0.8% | 1.0% | 29% |
| Allowance Coverage |
4.36x
-47.9% YoY +60.3% QoQ |
-2.05x | 6.41x | 22.44x | 20.23x | 77% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+0.6pp YoY +0.9pp QoQ |
+6.7pp | 6.4% | 14.3% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 59% |
| Net Income ($, YTD) |
$416,000
+12.4% YoY — QoQ |
+$98K | $317,817 | $3.7M | $40.4M | 66% |
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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.