BlastPoint's Banking Scorecard

Garden Plain State Bank

$100M-$1B Specialty: Other KS FDIC cert 19687

Wichita, KS

2 branches across KS

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

Garden Plain State Bank has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 38.1% in tier
+ Efficiency Ratio 23.13% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.54% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.35% below tier average

Get updates when Garden Plain State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$186.4M +16.2% YoY +5.8% QoQ	-$199.7M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$57.5M +12.1% YoY -0.7% QoQ	-$198.2M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 4.2% in tier
Total Deposits ?	$158.2M +16.2% YoY +7.0% QoQ	-$169.7M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	1.81% -10.2% YoY +0.4% QoQ	+0.54%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	3.58% -3.0% YoY -5.1% QoQ	-0.35%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	42.16% -12.1% YoY -6.8% QoQ	-23.13%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 5.9% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	36.34% -3.6% YoY -7.2% QoQ	-40.30%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 3.2% in tier
Non-Interest-Bearing Deposit Share ?	21.41% +3.8% YoY +5.6% QoQ	-0.61%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	22.07% -10.0% YoY -8.2% QoQ	+6.24%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Top 9.9% in tier
Non-Interest Income / Assets ?	0.14% -18.9% YoY -77.7% QoQ	-0.14%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	70%

Get Full Access to Garden Plain State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Credit Quality Leader

growth

#254 of 664 • Top 38.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 36.34%

Peer Median: 76.64%

#86 of 2664 Top 3.2% in $100M-$1B

159

Efficiency Ratio

profitability

Value: 42.16%

Peer Median: 65.29%

#159 of 2664 Top 5.9% in $100M-$1B

266

Tier 1 Capital Ratio

capital

Value: 22.07%

Peer Median: 15.83%

#266 of 2664 Top 9.9% in $100M-$1B

485

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#485 of 2664 Top 18.2% in $100M-$1B

Top Weaknesses (3 metrics)

2552

Total Loans

size

Value: $57.50M

Peer Median: $255.72M

#2552 of 2664 Bottom 4.2% in $100M-$1B

2048

Total Assets

size

Value: $186.37M

Peer Median: $386.08M

#2048 of 2664 Bottom 23.2% in $100M-$1B

2044

Total Deposits

size

Value: $158.25M

Peer Median: $327.97M

#2044 of 2664 Bottom 23.3% in $100M-$1B