BlastPoint's Banking Scorecard
TriCentury Bank
De Soto, KS
3 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 +16.9% year over year ($135.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.68%.
- Efficiency ratio 42.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 131.04% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
TriCentury Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 33.7% in tier
- + Efficiency Ratio 21.94% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.36% above tier average
- + Net Interest Margin 0.10% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 53.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$213.8M
+11.3% YoY
+0.6% QoQ
|
-$172.8M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$177.0M
+11.8% YoY
+5.4% QoQ
|
-$81.3M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$135.1M
+16.9% YoY
+0.4% QoQ
|
-$191.7M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.68%
+6.5% YoY
+4.4% QoQ
|
+0.36% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
75% |
| Net Interest Margin ? |
4.09%
+2.6% YoY
+1.8% QoQ
|
+0.10% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
42.54%
-4.9% YoY
-2.6% QoQ
|
-21.94% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 6.2% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
131.04%
-4.3% YoY
+5.0% QoQ
|
+53.09% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.84%
-4.0% YoY
+1.1% QoQ
|
-7.19% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.76%
-1.3% YoY
+0.0% QoQ
|
-5.15% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.08%
+49.7% YoY
+106.2% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.9% 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 |
14.8%
-0.6pp YoY +0.2pp QoQ |
-7.3pp | 22.1% | 22.3% | 22.2% | 23% |
| Brokered Deposits |
4.7%
-5.1pp YoY 0.0pp QoQ |
-3.1pp | 7.9% | 8.7% | 8.5% | 50% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-3.7pp YoY -0.6pp QoQ |
-3.9pp | 11.6% | 12.6% | 12.5% | 37% |
| CRE |
59.5%
-2.8pp YoY +1.0pp QoQ |
+20.0pp | 39.5% | 28.8% | 41.4% | 84% |
| 1-4 Family |
26.9%
+3.3pp YoY -2.9pp QoQ |
-5.8pp | 32.6% | 26.7% | 31.3% | 44% |
| Consumer |
1.0%
-0.2pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 4.6% | 5.0% | 29% |
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 |
10.8%
-0.1pp YoY 0.0pp QoQ |
-1.4pp | 12.2% | 12.6% | 12.6% | 46% |
| 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 |
18
0 YoY 0 QoQ |
-41 | 58 | 70 | 482 | 8% |
| Assets per Employee ($) |
$11.9M
+11.3% YoY +0.6% QoQ |
+$4.4M | $7.5M | $7.1M | $8.8M | 92% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 22.44x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.7%
+1.2pp YoY +0.7pp QoQ |
+3.5pp | 12.2% | 14.3% | 11.6% | 71% |
| Cost of Funds (YTD) |
2.7%
0.0pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.6% | 1.7% | 94% |
| Net Income ($, YTD) |
$1.7M
+19.7% YoY — QoQ |
-$811K | $2.6M | $3.7M | $40.4M | 47% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.