BlastPoint's Banking Scorecard

First Bank Kansas

$100M-$1B Specialty: Commercial KS FDIC cert 18431

Salina, KS

8 branches across KS

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

First Bank Kansas shows strong momentum with 5 strengths and 6.4% YoY asset growth

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

+ Revenue Diversifier: Top 1.3% in tier
+ Profitability Leader: Top 12.0% in tier
+ Net Interest Margin 0.74% above tier average
+ Efficiency Ratio 8.86% below tier average
+ Delinquency Rate 0.29% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Bank Kansas releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$614.3M +6.4% YoY +3.4% QoQ	+$228.2M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$405.9M +13.6% YoY +3.6% QoQ	+$150.2M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$561.6M +6.6% YoY +3.9% QoQ	+$233.6M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	85%
Return on Assets ?	2.73% +24.6% YoY +12.4% QoQ	+1.46%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 3.3% in tier
Net Interest Margin ?	4.67% +11.8% YoY +5.8% QoQ	+0.74%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Top 13.9% in tier
Efficiency Ratio ?	56.43% -8.4% YoY -3.5% QoQ	-8.86%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	70%
Delinquency Rate ?	0.60% +846.8% YoY +21.6% QoQ	-0.29%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	72.27% +6.6% YoY -0.3% QoQ	-4.37%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	21.04% +0.8% YoY -0.3% QoQ	-0.98%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.43% +381.2% YoY +19.7% QoQ	-0.21%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	12.22% -6.6% YoY -0.2% QoQ	-3.61%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.47% +1.7% YoY -76.1% QoQ	+0.19%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 3.5% in tier

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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)

Revenue Diversifier

growth

#10 of 666 • Top 1.3% 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: 0.47%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 2.73%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#81 of 666 • Top 12.0% in tier

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

Why this signature

Return on Assets: 2.73%

(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

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Return on Assets

profitability

Value: 2.73%

Peer Median: 1.27%

#88 of 2664 Top 3.3% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.47%

Peer Median: 0.28%

#95 of 2664 Top 3.5% in $100M-$1B

370

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.93%

#370 of 2664 Top 13.9% in $100M-$1B

407

Total Deposits

size

Value: $561.62M

Peer Median: $327.97M

#407 of 2664 Top 15.2% in $100M-$1B

495

Total Assets

size

Value: $614.30M

Peer Median: $386.08M

#495 of 2664 Top 18.5% in $100M-$1B

536

Total Loans

size

Value: $405.89M

Peer Median: $255.72M

#536 of 2664 Top 20.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available