BlastPoint's Banking Scorecard

First Kansas Bank

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

Hoisington, KS

4 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in 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 36.6% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.43% above tier average
+ Efficiency Ratio 17.01% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 48.5% in tier
- Net Interest Margin 0.96% below tier average

Get updates when First Kansas Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$291.2M +4.5% YoY -3.2% QoQ	-$94.8M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$130.8M +9.6% YoY +0.1% QoQ	-$125.0M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$272.6M +4.1% YoY -3.2% QoQ	-$55.3M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	1.70% +17.0% YoY -1.1% QoQ	+0.43%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	2.97% -4.5% YoY -3.9% QoQ	-0.96%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Bottom 10.6% in tier
Efficiency Ratio ?	48.27% -5.1% YoY +4.4% QoQ	-17.01%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 12.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	47.96% +5.2% YoY +3.5% QoQ	-28.68%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 8.0% in tier
Non-Interest-Bearing Deposit Share ?	7.74% -21.7% YoY -10.9% QoQ	-14.28%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 6.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	19.58% -5.0% YoY +4.6% QoQ	+3.75%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Top 14.4% in tier
Non-Interest Income / Assets ?	0.08% +6.8% YoY -81.6% QoQ	-0.20%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	36%

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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

#244 of 664 • Top 36.6% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#97 of 198 • Bottom 48.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 7.74%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

214

Loan-to-Deposit Ratio

liquidity

Value: 47.96%

Peer Median: 76.64%

#214 of 2664 Top 8.0% in $100M-$1B

343

Efficiency Ratio

profitability

Value: 48.27%

Peer Median: 65.29%

#343 of 2664 Top 12.8% in $100M-$1B

385

Tier 1 Capital Ratio

capital

Value: 19.58%

Peer Median: 15.83%

#385 of 2664 Top 14.4% in $100M-$1B

601

Return on Assets

profitability

Value: 1.70%

Peer Median: 1.27%

#601 of 2664 Top 22.5% in $100M-$1B

Top Weaknesses (2 metrics)

2489

Non-Interest-Bearing Deposit Share

funding

Value: 7.74%

Peer Median: 22.02%

#2489 of 2664 Bottom 6.6% in $100M-$1B

2382

Net Interest Margin

profitability

Value: 2.97%

Peer Median: 3.93%

#2382 of 2664 Bottom 10.6% in $100M-$1B