BlastPoint's Banking Scorecard

First Kansas Bank

$100M-$1B Specialty: Mortgage KS FDIC cert 18474

Hoisington, 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 +8.0% year over year ($275.2M on the books).
Delinquency rate 0.00%.
Return on assets 1.67%.
Efficiency ratio 48.12% vs a 64.48% peer average.
Loan-to-deposit ratio 48.14% 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) →

First Kansas Bank has 4 strengths but faces 2 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

+ Credit Quality Leader: Top 34.0% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.35% above tier average
+ Efficiency Ratio 16.36% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 14.32% below tier average
- Net Interest Margin 0.95% below tier average

Get updates when First Kansas 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 ?	$294.4M +7.5% YoY +1.1% QoQ	-$92.2M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	45%
Total Loans ?	$132.5M +8.5% YoY +1.3% QoQ	-$125.8M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	29%
Total Deposits ?	$275.2M +8.0% YoY +1.0% QoQ	-$51.5M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.67% +11.5% YoY -1.5% QoQ	+0.35%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	3.04% -2.6% YoY +2.1% QoQ	-0.95%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Bottom 10.9% in tier
Efficiency Ratio ?	48.12% -4.5% YoY -0.3% QoQ	-16.36%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 13.3% 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 ?	48.14% +0.5% YoY +0.4% QoQ	-29.81%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Top 7.5% in tier
Non-Interest-Bearing Deposit Share ?	7.71% -11.9% YoY -0.4% QoQ	-14.32%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 6.5% in tier
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 ?	18.32% -10.2% YoY -6.5% QoQ	+2.41%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.14% +2.0% YoY +88.9% QoQ	-0.42%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	32%

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	7.7% -1.0pp YoY 0.0pp QoQ	-14.4pp	22.1%	22.3%	22.2%	6%
Brokered Deposits	3.6% 0.0pp QoQ	-4.2pp	7.9%	8.7%	8.5%	43%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	8.3% -1.4pp YoY -0.8pp QoQ	-3.2pp	11.6%	12.6%	12.5%	42%
CRE	7.9% +1.1pp YoY +0.6pp QoQ	-31.6pp	39.5%	28.8%	41.4%	3%
1-4 Family	62.3% -1.7pp YoY 0.0pp QoQ	+29.6pp	32.6%	26.7%	31.3%	91%
Consumer	1.7% -0.8pp YoY -0.1pp QoQ	-2.4pp	4.1%	4.6%	5.0%	44%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	18.3% -2.1pp YoY -1.3pp QoQ	-0.5pp	18.8%	23.3%	19.7%	71%
Leverage Ratio	8.3% -0.5pp YoY 0.0pp QoQ	-3.8pp	12.2%	12.6%	12.6%	4%
Total Capital Ratio	19.6% -2.1pp YoY -1.3pp QoQ	-0.4pp	19.9%	24.4%	20.8%	72%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	30 -3 (-9.1%) YoY +4 (+15.4%) QoQ	-29	58	70	482	26%
Assets per Employee ($)	$9.8M +18.2% YoY -12.4% QoQ	+$2.3M	$7.5M	$7.1M	$8.8M	85%
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	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)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	46%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	27.0% +0.3pp YoY -0.6pp QoQ	+14.8pp	12.2%	14.3%	11.6%	97%
Cost of Funds (YTD)	1.4% +0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.6%	1.7%	31%
Net Income ($, YTD)	$2.5M +16.6% YoY — QoQ	-$87K	$2.6M	$3.7M	$40.4M	61%

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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 (1)

Credit Quality Leader

growth

#225 of 659 • Top 34.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

198

Loan-to-Deposit Ratio

liquidity

Value: 48.14%

Peer Median: 77.95%

#198 of 2643 Top 7.5% in $100M-$1B

352

Efficiency Ratio

profitability

Value: 48.12%

Peer Median: 64.48%

#352 of 2643 Top 13.3% in $100M-$1B

474

Tier 1 Capital Ratio

capital

Value: 18.32%

Peer Median: 15.91%

#474 of 2643 Top 17.9% in $100M-$1B

Top Weaknesses (2 metrics)

2473

Non-Interest-Bearing Deposit Share

funding

Value: 7.71%

Peer Median: 22.03%

#2473 of 2643 Bottom 6.5% in $100M-$1B

2357

Net Interest Margin

profitability

Value: 3.04%

Peer Median: 3.99%

#2357 of 2643 Bottom 10.9% in $100M-$1B