BlastPoint's Banking Scorecard
Bank of Labor
Designations: ✓ Community bank
Overland Park, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits +3.8% year over year ($1.0B on the books).
- Delinquency rate 3.19%.
- Return on assets 0.91%.
- Efficiency ratio 69.28% vs a 59.73% peer average.
- Loan-to-deposit ratio 34.64% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 2.33% above tier average
- - ROA 0.48% below tier average
- - Net Interest Margin 0.32% below tier average
- - Efficiency Ratio 9.55% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.4% YoY
+1.0% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.8% in tier |
| Total Loans ? |
$360.6M
+7.0% YoY
+0.3% QoQ
|
-$1.6B |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.7% in tier |
| Total Deposits ? |
$1.0B
+3.8% YoY
+2.1% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
0.91%
-6.7% YoY
-4.9% QoQ
|
-0.48% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
24% |
| Net Interest Margin ? |
3.55%
-1.5% YoY
-0.7% QoQ
|
-0.32% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
69.28%
-0.1% YoY
-0.4% QoQ
|
+9.55% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
3.19%
-1.1% QoQ
|
+2.33% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.0% in tier |
| Loan-to-Deposit Ratio ? |
34.64%
+3.1% YoY
-1.7% QoQ
|
-50.40% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 2.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.12%
-2.8% YoY
-6.1% QoQ
|
+2.84% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
1.04%
-1.7% QoQ
|
+0.36% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
14.19%
+3.6% YoY
+3.2% QoQ
|
-0.65% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.38%
+4.5% YoY
+102.2% QoQ
|
-0.15% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
24.1%
-0.7pp YoY -1.6pp QoQ |
+2.7pp | 21.4% | 22.3% | 22.2% | 68% |
| Brokered Deposits |
27.1%
+5.0pp YoY +3.7pp QoQ |
+17.6pp | 9.5% | 8.7% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.8%
-0.8pp YoY -1.5pp QoQ |
+18.8pp | 14.0% | 12.6% | 12.5% | 93% |
| CRE |
62.5%
+1.4pp YoY +1.5pp QoQ |
+12.4pp | 50.0% | 28.8% | 41.4% | 80% |
| 1-4 Family |
5.8%
-0.5pp YoY 0.0pp QoQ |
-20.6pp | 26.4% | 26.7% | 31.3% | 8% |
| Consumer |
0.4%
-0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 4.6% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.2%
+0.5pp YoY +0.4pp QoQ |
-1.4pp | 15.6% | 23.3% | 19.7% | 61% |
| Leverage Ratio |
8.0%
+0.4pp YoY +0.1pp QoQ |
-3.3pp | 11.3% | 12.6% | 12.6% | 2% |
| Total Capital Ratio |
15.1%
+0.5pp YoY +0.5pp QoQ |
-1.6pp | 16.7% | 24.4% | 20.8% | 58% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
122
-4 (-3.2%) YoY -5 (-3.9%) QoQ |
-192 | 313 | 70 | 482 | 14% |
| Assets per Employee ($) |
$9.1M
+6.8% YoY +5.1% QoQ |
-$1.4M | $10.5M | $7.1M | $8.8M | 55% |
| Branch Count |
6
0 YoY 0 QoQ |
-14 | 20 | 6 | 18 | 14% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
3.2%
+3.1pp YoY 0.0pp QoQ |
+2.4pp | 0.8% | 0.8% | 1.0% | 97% |
| Allowance Coverage |
0.46x
-95.8% YoY +0.8% QoQ |
-18.25x | 18.71x | 22.44x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.9%
-7.6pp YoY -1.1pp QoQ |
+7.3pp | 12.6% | 14.3% | 11.6% | 90% |
| Cost of Funds (YTD) |
0.9%
-0.2pp YoY 0.0pp QoQ |
-1.0pp | 1.9% | 1.6% | 1.7% | 4% |
| Net Income ($, YTD) |
$5.0M
+0.7% YoY — QoQ |
-$14.3M | $19.2M | $3.7M | $40.4M | 11% |
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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.