BlastPoint's Banking Scorecard

Bank of the Plains

$100M-$1B Specialty: Commercial KS FDIC cert 18118

Plains, KS

8 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 +1.2% year over year ($390.5M on the books).
Delinquency rate 0.45%.
Return on assets 1.77%.
Efficiency ratio 53.21% vs a 64.48% peer average.
Loan-to-deposit ratio 80.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Bank of the Plains demonstrates 5 strengths

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

+ Profitability Leader: Top 14.8% in tier
+ Revenue Diversifier: Top 24.0% in tier
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 11.27% below tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of the Plains releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$445.6M +0.9% YoY -0.1% QoQ	+$59.0M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$313.2M +2.5% YoY +3.8% QoQ	+$54.9M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$390.5M +1.2% YoY -0.3% QoQ	+$63.8M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.77% +186.8% YoY -24.4% QoQ	+0.45%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	4.46% +8.4% YoY +1.1% QoQ	+0.47%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	78%
Efficiency Ratio ?	53.21% -26.4% YoY +14.4% QoQ	-11.27%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	76%
Delinquency Rate ?	0.45% -28.5% YoY -9.9% QoQ	-0.47%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	49%
Loan-to-Deposit Ratio ?	80.21% +1.2% YoY +4.1% QoQ	+2.25%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	16.43% +8.8% YoY +0.6% QoQ	-5.60%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	0.41% -14.1% YoY -4.9% QoQ	-0.26%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	44%
Tier 1 Capital Ratio ?	11.85% +3.6% YoY -3.2% QoQ	-4.06%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.59% +229.5% YoY +21.4% QoQ	+0.02%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 7.0% in tier

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	16.4% +1.3pp YoY +0.1pp QoQ	-5.7pp	22.1%	22.3%	22.2%	29%
Brokered Deposits	n/a	n/a	7.9%	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	16.0% -0.1pp YoY -2.0pp QoQ	+4.5pp	11.6%	12.6%	12.5%	79%
CRE	35.1% +2.0pp YoY +0.6pp QoQ	-4.5pp	39.5%	28.8%	41.4%	43%
1-4 Family	29.6% -0.2pp YoY +0.4pp QoQ	-3.1pp	32.6%	26.7%	31.3%	50%
Consumer	1.1% -0.4pp YoY -0.1pp QoQ	-3.1pp	4.1%	4.6%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	11.8% +0.4pp YoY -0.4pp QoQ	-7.0pp	18.8%	23.3%	19.7%	16%
Leverage Ratio	9.3% +0.5pp YoY +0.5pp QoQ	-2.9pp	12.2%	12.6%	12.6%	17%
Total Capital Ratio	13.1% +0.4pp YoY -0.4pp QoQ	-6.8pp	19.9%	24.4%	20.8%	17%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	78 +2 (+2.6%) YoY +3 (+4.0%) QoQ	+19	58	70	482	76%
Assets per Employee ($)	$5.7M -1.7% YoY -3.9% QoQ	-$1.8M	$7.5M	$7.1M	$8.8M	27%
Branch Count	8 -1 (-11.1%) YoY 0 QoQ	+3	4	6	18	82%

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	0.4% -0.2pp YoY 0.0pp QoQ	-0.5pp	0.9%	0.8%	1.0%	50%
Allowance Coverage	3.40x +51.5% YoY +9.9% QoQ	-20.75x	24.15x	22.44x	20.23x	62%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	18.3% +11.5pp YoY -6.1pp QoQ	+6.1pp	12.2%	14.3%	11.6%	83%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	51%
Net Income ($, YTD)	$4.0M +192.1% YoY — QoQ	+$1.4M	$2.6M	$3.7M	$40.4M	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (2)

Profitability Leader

growth

#99 of 661 • Top 14.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.77%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Revenue Diversifier

growth

#160 of 661 • Top 24.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.59%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 1.77%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

185

Non-Interest Income / Assets

revenue_mix

Value: 0.59%

Peer Median: 0.57%

#185 of 2643 Top 7.0% in $100M-$1B

555

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.32%

#555 of 2643 Top 21.0% in $100M-$1B

586

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.99%

#586 of 2643 Top 22.1% in $100M-$1B

633

Efficiency Ratio

profitability

Value: 53.21%

Peer Median: 64.48%

#633 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available