BlastPoint's Banking Scorecard

The Stockgrowers State Bank

$100M-$1B Specialty: Other KS FDIC cert 18165

Maple Hill, KS

4 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Stockgrowers State Bank has 5 strengths but faces 1 concern

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 6.8% in tier
+ Revenue Diversifier: Top 35.1% in tier
+ Efficiency Ratio 26.42% below tier average
+ Net Interest Margin 0.50% above tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 49.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$124.7M +6.5% YoY -2.9% QoQ	-$261.3M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 7.3% in tier
Total Loans ?	$82.7M +10.5% YoY -0.4% QoQ	-$173.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 12.4% in tier
Total Deposits ?	$89.6M +2.7% YoY -6.1% QoQ	-$238.4M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 2.5% in tier
Return on Assets ?	2.84% +39.6% YoY +43.4% QoQ	+1.57%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 2.5% in tier
Net Interest Margin ?	4.43% +7.8% YoY +3.3% QoQ	+0.50%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	38.87% -17.4% YoY -20.2% QoQ	-26.42%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 3.0% in tier
Delinquency Rate ?	0.53% +163.2% QoQ	-0.36%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	92.34% +7.6% YoY +6.0% QoQ	+15.70%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	17.53% -3.0% YoY -0.8% QoQ	-4.49%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	34%
Nonperforming Asset Ratio ?	0.35% +169.8% QoQ	-0.29%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	12.20% +7.9% YoY +2.8% QoQ	-3.63%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.16% +241.4% YoY -2.9% QoQ	-0.12%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	77%

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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

#46 of 666 • Top 6.8% in tier

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

Why this signature

Return on Assets: 2.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#235 of 666 • Top 35.1% 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: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Strain

risk

#321 of 643 • Bottom 49.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.34%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.84%

Peer Median: 1.27%

#68 of 2664 Top 2.5% in $100M-$1B

Efficiency Ratio

profitability

Value: 38.87%

Peer Median: 65.29%

#81 of 2664 Top 3.0% in $100M-$1B

556

Net Interest Margin

profitability

Value: 4.43%

Peer Median: 3.93%

#556 of 2664 Top 20.8% in $100M-$1B

616

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#616 of 2664 Top 23.1% in $100M-$1B

Top Weaknesses (4 metrics)

2599

Total Deposits

size

Value: $89.58M

Peer Median: $327.97M

#2599 of 2664 Bottom 2.5% in $100M-$1B

2470

Total Assets

size

Value: $124.75M

Peer Median: $386.08M

#2470 of 2664 Bottom 7.3% in $100M-$1B

2334

Total Loans

size

Value: $82.72M

Peer Median: $255.72M

#2334 of 2664 Bottom 12.4% in $100M-$1B

2138

Loan-to-Deposit Ratio

liquidity

Value: 92.34%

Peer Median: 76.64%

#2138 of 2664 Bottom 19.8% in $100M-$1B