BlastPoint's Banking Scorecard

The Kansas State Bank Overbrook Kansas

$100M-$1B Specialty: Agricultural KS FDIC cert 1865

Overbrook, KS

2 branches across KS

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

The Kansas State Bank Overbrook Kansas has 1 strength 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

+ Efficiency Ratio 3.69% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 27.9% in tier
- Net Interest Margin 0.10% below tier average

Get updates when The Kansas State Bank Overbrook 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 ?	$102.5M +11.3% YoY +3.2% QoQ	-$283.6M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 1.0% in tier
Total Loans ?	$55.4M +9.0% YoY +5.5% QoQ	-$200.3M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 4.0% in tier
Total Deposits ?	$85.7M +13.0% YoY +3.9% QoQ	-$242.3M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 1.5% in tier
Return on Assets ?	0.78% -21.4% YoY -32.3% QoQ	-0.49%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	25%
Net Interest Margin ?	3.83% -1.5% YoY -3.5% QoQ	-0.10%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	61.60% +1.7% YoY +5.8% QoQ	-3.69%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.86% -10.1% YoY -4.0% QoQ	-0.03%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	64.66% -3.6% YoY +1.6% QoQ	-11.98%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	21.52% +4.3% YoY +3.7% QoQ	-0.49%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.46% -12.0% YoY -1.9% QoQ	-0.17%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	12.73% -33.4% YoY -2.6% QoQ	-3.10%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.06% -16.6% YoY -77.0% QoQ	-0.22%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	28%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#86 of 305 • Bottom 27.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.78%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 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 (1 metrics)

657

Loan-to-Deposit Ratio

liquidity

Value: 64.66%

Peer Median: 76.64%

#657 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (4 metrics)

2639

Total Assets

size

Value: $102.47M

Peer Median: $386.08M

#2639 of 2664 Bottom 1.0% in $100M-$1B

2624

Total Deposits

size

Value: $85.71M

Peer Median: $327.97M

#2624 of 2664 Bottom 1.5% in $100M-$1B

2558

Total Loans

size

Value: $55.42M

Peer Median: $255.72M

#2558 of 2664 Bottom 4.0% in $100M-$1B

2001

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.27%

#2001 of 2664 Bottom 24.9% in $100M-$1B