BlastPoint's Banking Scorecard
CoreFirst Bank & Trust
Designations: ✓ Community bank
Topeka, KS
13 branches across KS · CO
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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits +2.9% year over year ($1.1B on the books).
- Delinquency rate 0.22%.
- Return on assets 1.55%.
- Efficiency ratio 64.31% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.05% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CoreFirst Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 37.6% in tier
- + Revenue Diversifier: Top 41.4% in tier
- + ROA 0.16% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 4.58% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.7% YoY
-5.0% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$881.7M
+6.2% YoY
+0.2% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$1.1B
+2.9% YoY
-2.2% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.55%
+53.5% YoY
+5.7% QoQ
|
+0.16% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.81%
+11.8% YoY
+4.1% QoQ
|
-0.06% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
64.31%
-11.3% YoY
-1.1% QoQ
|
+4.58% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.22%
-31.8% YoY
-1.9% QoQ
|
-0.65% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
83.05%
+3.2% YoY
+2.5% QoQ
|
-1.99% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
22.11%
-1.1% YoY
+1.0% QoQ
|
+0.83% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.15%
-28.1% YoY
+3.4% QoQ
|
-0.52% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.78%
-2.2% YoY
+1.2% QoQ
|
-3.06% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.66%
+3.9% YoY
+107.6% QoQ
|
+0.13% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 11.8% 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 |
22.1%
-0.2pp YoY +0.2pp QoQ |
+0.7pp | 21.4% | 22.3% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
18.0%
+2.7pp YoY +0.8pp QoQ |
+4.0pp | 14.0% | 12.6% | 12.5% | 75% |
| CRE |
55.0%
+0.4pp YoY -0.1pp QoQ |
+5.0pp | 50.0% | 28.8% | 41.4% | 64% |
| 1-4 Family |
24.5%
-2.4pp YoY -0.5pp QoQ |
-1.9pp | 26.4% | 26.7% | 31.3% | 54% |
| Consumer |
2.6%
-1.1pp YoY -0.2pp QoQ |
-2.1pp | 4.7% | 4.6% | 5.0% | 70% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
-0.3pp YoY +0.1pp QoQ |
-3.8pp | 15.6% | 23.3% | 19.7% | 19% |
| Leverage Ratio |
8.7%
+0.1pp YoY +0.2pp QoQ |
-2.6pp | 11.3% | 12.6% | 12.6% | 7% |
| Total Capital Ratio |
12.8%
-0.2pp YoY +0.2pp QoQ |
-3.9pp | 16.7% | 24.4% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
227
0 YoY +3 (+1.3%) QoQ |
-87 | 313 | 70 | 482 | 47% |
| Assets per Employee ($) |
$5.5M
+0.7% YoY -6.2% QoQ |
-$5.0M | $10.5M | $7.1M | $8.8M | 7% |
| Branch Count |
13
0 YoY 0 QoQ |
-7 | 20 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 0.8% | 1.0% | 23% |
| Allowance Coverage |
4.76x
+53.1% YoY +7.0% QoQ |
-13.95x | 18.71x | 22.44x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
26.4%
+7.4pp YoY +0.9pp QoQ |
+13.8pp | 12.6% | 14.3% | 11.6% | 97% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.9% | 1.6% | 1.7% | 11% |
| Net Income ($, YTD) |
$10.0M
+60.4% YoY — QoQ |
-$9.3M | $19.2M | $3.7M | $40.4M | 39% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.