BlastPoint's Banking Scorecard
Bank of Labor
Designations: ✓ Community bank
Overland Park, KS
6 branches across KS
Bank of Labor faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.34% above tier average
- - ROA 0.41% below tier average
- - Net Interest Margin 0.24% below tier average
- - Efficiency Ratio 8.48% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+6.4% YoY
+2.6% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.1% in tier |
| Total Loans ? |
$359.5M
+8.6% YoY
+1.5% QoQ
|
-$1.6B |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 1.8% in tier |
| Total Deposits ? |
$1.0B
+6.6% YoY
+2.9% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
17% |
| Return on Assets ? |
0.96%
-6.9% YoY
+2.8% QoQ
|
-0.41% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
30% |
| Net Interest Margin ? |
3.58%
-0.9% YoY
-1.7% QoQ
|
-0.24% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
69.54%
+1.9% YoY
-1.5% QoQ
|
+8.48% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
24% |
| Delinquency Rate ? |
3.23%
-1.5% QoQ
|
+2.34% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.9% in tier |
| Loan-to-Deposit Ratio ? |
35.25%
+1.9% YoY
-1.4% QoQ
|
-48.95% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.67%
+0.5% YoY
+2.6% QoQ
|
+4.38% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
1.06%
-2.6% QoQ
|
+0.38% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
13.75%
-0.6% YoY
-0.8% QoQ
|
-1.41% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.19%
+0.2% YoY
-75.2% QoQ
|
-0.07% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
69% |
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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.