BlastPoint

BlastPoint's Banking Scorecard

The Stockgrowers State Bank

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

Maple Hill, KS

4 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 +8.8% year over year ($94.9M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 2.55%.
  • Efficiency ratio 41.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.47% 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) →

The Stockgrowers State Bank has 4 strengths but faces 3 concerns

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 9.5% in tier
  • + Efficiency Ratio 23.28% below tier average
  • + Net Interest Margin 0.47% above tier average
  • + Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.1% in tier
  • - Liquidity Strain: Bottom 39.1% in tier
  • - Credit Risk Growth: Bottom 40.1% in tier
Get updates when The Stockgrowers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $128.3M
+6.5% YoY +2.9% QoQ
-$258.2M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Bottom 7.8% in tier
Total Loans ? $86.8M
+8.7% YoY +4.9% QoQ
-$171.6M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 13.2% in tier
Total Deposits ? $94.9M
+8.8% YoY +5.9% QoQ
-$231.8M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Bottom 4.1% in tier
Return on Assets ? 2.55%
+25.3% YoY -10.3% QoQ
+1.23% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
Top 4.3% in tier
Net Interest Margin ? 4.46%
+6.4% YoY +0.7% QoQ
+0.47% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
78%
Efficiency Ratio ? 41.20%
-13.4% YoY +6.0% QoQ
-23.28% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
Top 5.0% in tier
Delinquency Rate ? 0.13%
-74.4% QoQ
-0.78% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
71%
Loan-to-Deposit Ratio ? 91.47%
-0.0% YoY -0.9% QoQ
+13.52% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 17.02%
+3.1% YoY -2.9% QoQ
-5.01% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.09%
-73.9% QoQ
-0.58% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
73%
Tier 1 Capital Ratio ? 11.58%
+5.6% YoY -5.1% QoQ
-4.33% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.20%
+129.8% YoY +24.9% QoQ
-0.37% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
50%

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 17.0%
+0.5pp YoY
-0.5pp QoQ
 -5.1pp 22.1% 22.3% 22.2% 32%
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 23.4%
+1.7pp YoY
0.0pp QoQ
 +11.9pp 11.6% 12.6% 12.5% 92%
CRE 12.7%
-5.7pp YoY
-0.8pp QoQ
 -26.8pp 39.5% 28.8% 41.4% 8%
1-4 Family 36.2%
+0.1pp YoY
-0.1pp QoQ
 +3.5pp 32.6% 26.7% 31.3% 64%
Consumer 2.0%
-0.1pp YoY
0.0pp QoQ
 -2.2pp 4.1% 4.6% 5.0% 47%

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 11.6%
+0.6pp YoY
-0.6pp QoQ
 -0.6pp 12.2% 12.6% 12.6% 59%
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
+1 (+5.9%) QoQ
 -41 58 70 482 8%
Assets per Employee ($) $7.1M
+6.5% YoY
-2.8% QoQ
 -$389K $7.5M $7.1M $8.8M 55%
Branch Count 4
0 YoY
0 QoQ
 -1 4 6 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 57%
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage 11.41x
+284.8% QoQ
 -12.74x 24.15x 22.44x 20.23x 83%
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 21.7%
+3.1pp YoY
-2.3pp QoQ
 +9.5pp 12.2% 14.3% 11.6% 92%
Cost of Funds (YTD) 1.8%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.6% 1.7% 60%
Net Income ($, YTD) $1.6M
+33.6% YoY
— QoQ
 -$933K $2.6M $3.7M $40.4M 45%

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 (1)

Profitability Leader

growth
#64 of 661 • Top 9.5% in tier

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

Why this signature
Return on Assets: 2.55%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk
#266 of 1256 • Bottom 21.1% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.13%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#271 of 691 • Bottom 39.1% 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: 91.47%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#376 of 936 • Bottom 40.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

114
Return on Assets
profitability
Value: 2.55%
Peer Median: 1.32%
#114 of 2643 Top 4.3% in $100M-$1B
134
Efficiency Ratio
profitability
Value: 41.20%
Peer Median: 64.48%
#134 of 2643 Top 5.0% in $100M-$1B
579
Net Interest Margin
profitability
Value: 4.46%
Peer Median: 3.99%
#579 of 2643 Top 21.9% in $100M-$1B

Top Weaknesses (4 metrics)

2535
Total Deposits
size
Value: $94.89M
Peer Median: $326.73M
#2535 of 2643 Bottom 4.1% in $100M-$1B
2437
Total Assets
size
Value: $128.33M
Peer Median: $386.57M
#2437 of 2643 Bottom 7.8% in $100M-$1B
2294
Total Loans
size
Value: $86.79M
Peer Median: $258.35M
#2294 of 2643 Bottom 13.2% in $100M-$1B
2026
Loan-to-Deposit Ratio
liquidity
Value: 91.47%
Peer Median: 77.95%
#2026 of 2643 Bottom 23.4% in $100M-$1B
Powered by BlastPoint © 2026