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The Bank of Tescott

$100M-$1B Specialty: Agricultural KS FDIC cert 1868

Tescott, KS

6 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 +8.4% year over year ($574.3M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 1.75%.
  • Efficiency ratio 52.41% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.11% 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) →

The Bank of Tescott has 3 strengths but faces 3 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

  • + Profitability Leader: Top 43.1% in tier
  • + Efficiency Ratio 12.07% below tier average
  • + Delinquency Rate 0.83% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 13.6% in tier
  • - Capital Thin: Bottom 47.2% in tier
  • - Net Interest Margin 0.21% below tier average
Get updates when The Bank of Tescott releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $648.3M
+4.2% YoY +0.9% QoQ
+$261.8M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
84%
Total Loans ? $483.0M
+5.6% YoY +4.5% QoQ
+$224.7M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Top 13.1% in tier
Total Deposits ? $574.3M
+8.4% YoY +0.9% QoQ
+$247.6M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Top 14.1% in tier
Return on Assets ? 1.75%
+29.2% YoY -4.2% QoQ
+0.43% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 3.78%
+19.9% YoY +0.8% QoQ
-0.21% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
41%
Efficiency Ratio ? 52.41%
-9.7% YoY +6.2% QoQ
-12.07% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
78%
Delinquency Rate ? 0.09%
-57.0% YoY -56.3% QoQ
-0.83% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
76%
Loan-to-Deposit Ratio ? 84.11%
-2.5% YoY +3.5% QoQ
+6.16% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
40%
Non-Interest-Bearing Deposit Share ? 11.96%
-24.5% YoY -0.6% QoQ
-10.07% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
Bottom 14.5% in tier
Nonperforming Asset Ratio ? 0.06%
-59.3% YoY -54.7% QoQ
-0.61% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
77%
Tier 1 Capital Ratio ? 10.62%
-13.0% YoY +1.5% QoQ
-5.29% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.13%
-11.9% YoY +91.8% QoQ
-0.43% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
29%

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 12.0%
-3.9pp YoY
-0.1pp QoQ
 -10.2pp 22.1% 22.3% 22.2% 14%
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 2.4%
-0.9pp YoY
-0.2pp QoQ
 -9.1pp 11.6% 12.6% 12.5% 8%
CRE 11.8%
-0.3pp YoY
-0.1pp QoQ
 -27.8pp 39.5% 28.8% 41.4% 7%
1-4 Family 32.0%
+0.9pp YoY
-0.2pp QoQ
 -0.6pp 32.6% 26.7% 31.3% 56%
Consumer 2.0%
-0.3pp YoY
-0.1pp QoQ
 -2.1pp 4.1% 4.6% 5.0% 47%

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 10.6%
-1.6pp YoY
+0.2pp QoQ
 -1.6pp 12.2% 12.6% 12.6% 44%
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 75
+2 (+2.7%) YoY
-3 (-3.8%) QoQ
 +16 58 70 482 74%
Assets per Employee ($) $8.6M
+1.4% YoY
+5.0% QoQ
 +$1.1M $7.5M $7.1M $8.8M 76%
Branch Count 6
0 YoY
0 QoQ
 +1 4 6 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 38%
Nonaccrual 0.0%
0.0pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 9%
Allowance Coverage 15.73x
+114.5% YoY
+118.5% QoQ
 -8.42x 24.15x 22.44x 20.23x 87%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 38%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 17.0%
+4.9pp YoY
-0.8pp QoQ
 +4.8pp 12.2% 14.3% 11.6% 77%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.6% 1.7% 81%
Net Income ($, YTD) $5.6M
+53.9% YoY
— QoQ
 +$3.1M $2.6M $3.7M $40.4M 90%

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)

Profitability Leader

growth
#286 of 661 • Top 43.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.75%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#23 of 162 • Bottom 13.6% 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: 11.96%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Capital Thin

risk
#313 of 661 • Bottom 47.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.62%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

347
Total Loans
size
Value: $483.03M
Peer Median: $258.35M
#347 of 2643 Top 13.1% in $100M-$1B
373
Total Deposits
size
Value: $574.30M
Peer Median: $326.73M
#373 of 2643 Top 14.1% in $100M-$1B
423
Total Assets
size
Value: $648.34M
Peer Median: $386.57M
#423 of 2643 Top 16.0% in $100M-$1B
572
Efficiency Ratio
profitability
Value: 52.41%
Peer Median: 64.48%
#572 of 2643 Top 21.6% in $100M-$1B
580
Return on Assets
profitability
Value: 1.75%
Peer Median: 1.32%
#580 of 2643 Top 21.9% in $100M-$1B
620
Nonperforming Asset Ratio
credit_quality
Value: 0.06%
Peer Median: 0.67%
#620 of 2643 Top 23.4% in $100M-$1B
644
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.92%
#644 of 2633 Top 24.4% in $100M-$1B

Top Weaknesses (2 metrics)

2262
Non-Interest-Bearing Deposit Share
funding
Value: 11.96%
Peer Median: 22.03%
#2262 of 2643 Bottom 14.5% in $100M-$1B
2155
Tier 1 Capital Ratio
capital
Value: 10.62%
Peer Median: 15.91%
#2155 of 2643 Bottom 18.5% in $100M-$1B
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