BlastPoint's Banking Scorecard
Garden Plain State Bank
Wichita, 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 +15.2% year over year ($162.0M on the books).
- Delinquency rate 0.96%.
- Return on assets 1.95%.
- Efficiency ratio 37.48% vs a 64.48% peer average.
- Loan-to-deposit ratio 35.00% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Garden Plain State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 27.00% below tier average
- + ROA 0.62% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$191.5M
+15.1% YoY
+2.7% QoQ
|
-$195.1M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$56.7M
+10.4% YoY
-1.4% QoQ
|
-$201.6M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.2% in tier |
| Total Deposits ? |
$162.0M
+15.2% YoY
+2.4% QoQ
|
-$164.7M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.95%
+1.4% YoY
+7.7% QoQ
|
+0.62% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 14.4% in tier |
| Net Interest Margin ? |
3.67%
-1.9% YoY
+2.4% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
37.48%
-15.4% YoY
-11.1% QoQ
|
-27.00% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 2.3% in tier |
| Delinquency Rate ? | 0.96% | +0.04% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
35.00%
-4.2% YoY
-3.7% QoQ
|
-42.95% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 2.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.11%
+3.7% YoY
+7.9% QoQ
|
+1.08% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? | 0.28% | -0.39% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
25.80%
+4.4% YoY
+16.9% QoQ
|
+9.89% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 6.3% in tier |
| Non-Interest Income / Assets ? |
0.28%
-14.2% YoY
+103.3% QoQ
|
-0.28% |
0.57%
+7.6% 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 |
23.1%
+0.8pp YoY +1.7pp QoQ |
+1.0pp | 22.1% | 22.3% | 22.2% | 59% |
| 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 |
7.7%
-1.4pp YoY +1.5pp QoQ |
-3.9pp | 11.6% | 12.6% | 12.5% | 37% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
41.8%
+2.0pp YoY +1.9pp QoQ |
+9.1pp | 32.6% | 26.7% | 31.3% | 72% |
| Consumer |
3.2%
-0.3pp YoY +0.1pp QoQ |
-0.9pp | 4.1% | 4.6% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
25.8%
+1.1pp YoY +3.7pp QoQ |
+7.0pp | 18.8% | 23.3% | 19.7% | 90% |
| Leverage Ratio |
15.2%
-0.7pp YoY +0.3pp QoQ |
+3.1pp | 12.2% | 12.6% | 12.6% | 88% |
| Total Capital Ratio |
26.6%
+1.1pp YoY +3.9pp QoQ |
+6.7pp | 19.9% | 24.4% | 20.8% | 90% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-1 (-4.8%) YoY 0 QoQ |
-39 | 58 | 70 | 482 | 11% |
| Assets per Employee ($) |
$9.6M
+20.9% YoY +2.7% QoQ |
+$2.1M | $7.5M | $7.1M | $8.8M | 84% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | 1.0% | 0.0pp | 0.9% | 0.8% | 1.0% | 70% |
| Allowance Coverage | 1.34x | -22.81x | 24.15x | 22.44x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+0.1pp YoY +1.0pp QoQ |
+1.0pp | 12.2% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 35% |
| Net Income ($, YTD) |
$1.8M
+17.5% YoY — QoQ |
-$757K | $2.6M | $3.7M | $40.4M | 48% |
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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.