BlastPoint's Banking Scorecard
The Union State Bank of Everest
Everest, KS
9 branches across KS · MO
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 +0.4% year over year ($382.0M on the books).
- Delinquency rate 1.07%.
- Return on assets 1.62%.
- Efficiency ratio 64.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.78% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Union State Bank of Everest has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.48% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 0.21% above tier average
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$427.3M
+0.3% YoY
-0.9% QoQ
|
+$40.7M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$308.6M
-1.2% YoY
-1.7% QoQ
|
+$50.3M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
69% |
| Total Deposits ? |
$382.0M
+0.4% YoY
-1.4% QoQ
|
+$55.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.62%
+42.3% YoY
+6.1% QoQ
|
+0.30% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
4.46%
+10.2% YoY
+1.2% QoQ
|
+0.48% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
64.69%
-4.4% YoY
-0.9% QoQ
|
+0.21% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
1.07%
+58.9% YoY
-17.8% QoQ
|
+0.15% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
80.78%
-1.5% YoY
-0.4% QoQ
|
+2.83% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
21.66%
+10.8% YoY
+1.2% QoQ
|
-0.37% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.82%
+62.0% YoY
-17.7% QoQ
|
+0.15% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.37%
+9.3% YoY
+4.5% QoQ
|
-2.53% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-9.9% YoY
+111.4% QoQ
|
-0.29% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
68% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.7%
+2.1pp YoY +0.3pp QoQ |
-0.5pp | 22.1% | 22.3% | 22.2% | 53% |
| 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 |
9.8%
+0.8pp YoY +0.5pp QoQ |
-1.7pp | 11.6% | 12.6% | 12.5% | 52% |
| CRE |
24.8%
+0.2pp YoY -0.4pp QoQ |
-14.7pp | 39.5% | 28.8% | 41.4% | 26% |
| 1-4 Family |
30.5%
+1.9pp YoY 0.0pp QoQ |
-2.2pp | 32.6% | 26.7% | 31.3% | 52% |
| Consumer |
1.8%
-0.1pp YoY 0.0pp QoQ |
-2.3pp | 4.1% | 4.6% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
+1.1pp YoY +0.6pp QoQ |
-5.5pp | 18.8% | 23.3% | 19.7% | 32% |
| Leverage Ratio |
10.0%
+0.6pp YoY +0.4pp QoQ |
-2.2pp | 12.2% | 12.6% | 12.6% | 31% |
| Total Capital Ratio |
14.6%
+1.2pp YoY +0.6pp QoQ |
-5.3pp | 19.9% | 24.4% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
83
-5 (-5.7%) YoY -1 (-1.2%) QoQ |
+24 | 58 | 70 | 482 | 79% |
| Assets per Employee ($) |
$5.1M
+6.3% YoY +0.3% QoQ |
-$2.4M | $7.5M | $7.1M | $8.8M | 17% |
| Branch Count |
9
0 YoY 0 QoQ |
+4 | 4 | 6 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.5pp YoY -0.3pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 37% |
| Nonaccrual |
1.0%
+0.9pp YoY 0.0pp QoQ |
+0.1pp | 0.9% | 0.8% | 1.0% | 72% |
| Allowance Coverage |
1.25x
-30.3% YoY +24.8% QoQ |
-22.90x | 24.15x | 22.44x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+3.9pp YoY +0.6pp QoQ |
+4.5pp | 12.2% | 14.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 44% |
| Net Income ($, YTD) |
$3.5M
+44.5% YoY — QoQ |
+$940K | $2.6M | $3.7M | $40.4M | 75% |
Get Full Access to The Union State Bank of Everest
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.