BlastPoint's Banking Scorecard
KS StateBank
Designations: ✓ Community bank
Manhattan, KS
6 branches across KS · AZ
KS StateBank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.64% below tier average
- + ROA 0.50% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.8% in tier
- - Deposit Outflow: Bottom 31.5% in tier
- - Capital Constraint: Bottom 46.0% in tier
- - Delinquency Rate 1.55% above tier average
- - Nonperforming Asset Ratio 1.41% above tier average
- - Non-Interest Income / Assets 0.21% below tier average
- - Net Interest Margin 0.51% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.6B
-2.3% YoY
-2.1% QoQ
|
-$229.1M |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
63% |
| Total Loans ? |
$2.0B
-0.9% YoY
-1.9% QoQ
|
+$20.1M |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$2.2B
-3.5% YoY
-2.7% QoQ
|
-$186.8M |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.87%
+8.7% YoY
+10.6% QoQ
|
+0.50% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
Top 14.5% in tier |
| Net Interest Margin ? |
3.31%
+10.3% YoY
+7.0% QoQ
|
-0.51% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
39.42%
-2.3% YoY
+0.0% QoQ
|
-21.64% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Top 6.8% in tier |
| Delinquency Rate ? |
2.44%
+133.0% YoY
+5.8% QoQ
|
+1.55% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.4% in tier |
| Loan-to-Deposit Ratio ? |
92.04%
+2.7% YoY
+0.9% QoQ
|
+7.84% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
10.57%
-0.3% YoY
+1.6% QoQ
|
-10.72% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 12.9% in tier |
| Nonperforming Asset Ratio ? |
2.08%
+130.2% YoY
+0.2% QoQ
|
+1.41% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.8% in tier |
| Tier 1 Capital Ratio ? |
12.73%
+6.2% YoY
+2.5% QoQ
|
-2.43% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.04%
+77.7% YoY
-63.6% QoQ
|
-0.21% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 8.0% in tier |
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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 (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.