BlastPoint's Banking Scorecard
The Kansas State Bank Overbrook Kansas
Overbrook, KS
2 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 +9.7% year over year ($83.9M on the books).
- Delinquency rate 0.72%.
- Return on assets 1.37%.
- Efficiency ratio 46.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.95% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Kansas State Bank Overbrook Kansas shows strong momentum with 3 strengths and 8.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.05% above tier average
- + Efficiency Ratio 17.86% below tier average
- + Delinquency Rate 0.19% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.2M
+8.7% YoY
-1.2% QoQ
|
-$285.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.3% in tier |
| Total Loans ? |
$59.5M
+9.1% YoY
+7.4% QoQ
|
-$198.8M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.6% in tier |
| Total Deposits ? |
$83.9M
+9.7% YoY
-2.2% QoQ
|
-$242.9M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.3% in tier |
| Return on Assets ? |
1.37%
+32.6% YoY
+75.9% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.98%
+0.3% YoY
+3.9% QoQ
|
-0.01% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
46.62%
-22.3% YoY
-24.3% QoQ
|
-17.86% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 11.0% in tier |
| Delinquency Rate ? |
0.72%
-16.1% YoY
-15.5% QoQ
|
-0.19% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
70.95%
-0.6% YoY
+9.7% QoQ
|
-7.00% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
19.34%
-0.3% YoY
-10.2% QoQ
|
-2.69% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.43%
-15.8% YoY
-8.1% QoQ
|
-0.24% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
13.17%
-29.0% YoY
+3.5% QoQ
|
-2.74% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.13%
-12.7% YoY
+107.2% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
28% |
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 |
19.3%
-0.1pp YoY -2.2pp QoQ |
-2.8pp | 22.1% | 22.3% | 22.2% | 42% |
| Brokered Deposits |
10.7%
+2.9pp YoY +0.2pp QoQ |
+2.9pp | 7.9% | 8.7% | 8.5% | 76% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.2%
-0.2pp YoY -1.1pp QoQ |
+4.7pp | 11.6% | 12.6% | 12.5% | 80% |
| CRE |
9.7%
+0.9pp YoY +0.6pp QoQ |
-29.9pp | 39.5% | 28.8% | 41.4% | 5% |
| 1-4 Family |
15.8%
+0.2pp YoY +1.3pp QoQ |
-16.8pp | 32.6% | 26.7% | 31.3% | 21% |
| Consumer |
4.7%
-0.7pp YoY -0.6pp QoQ |
+0.6pp | 4.1% | 4.6% | 5.0% | 75% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
13.2%
-0.1pp YoY +0.4pp QoQ |
+1.0pp | 12.2% | 12.6% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
-1 (-7.7%) YoY -1 (-7.7%) QoQ |
-47 | 58 | 70 | 482 | 2% |
| Assets per Employee ($) |
$8.4M
+17.8% YoY +7.0% QoQ |
+$916K | $7.5M | $7.1M | $8.8M | 73% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 40% |
| Nonaccrual |
0.7%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.9% | 0.8% | 1.0% | 61% |
| Allowance Coverage |
4.05x
+14.9% YoY +10.0% QoQ |
-20.11x | 24.15x | 22.44x | 20.23x | 65% |
| Net Charge-off Rate (YTD) | 0.1% | 0.0pp | 0.1% | 0.1% | 0.2% | 78% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
+2.4pp YoY +5.3pp QoQ |
+0.3pp | 12.2% | 14.3% | 11.6% | 52% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY -0.1pp QoQ |
+0.2pp | 1.7% | 1.6% | 1.7% | 65% |
| Net Income ($, YTD) |
$694,000
+46.1% YoY — QoQ |
-$1.9M | $2.6M | $3.7M | $40.4M | 16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.