BlastPoint's Banking Scorecard

The Western State Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 21121

Garden City, KS

9 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 +0.5% year over year ($717.2M on the books).
Delinquency rate 3.12%.
Return on assets 1.43%.
Efficiency ratio 43.24% vs a 64.48% peer average.
Loan-to-deposit ratio 72.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The Western State Bank has 3 strengths but faces 3 concerns

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

+ Efficiency Ratio 21.24% below tier average
+ ROA 0.11% above tier average
+ Net Interest Margin 0.49% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 12.7% in tier
- Delinquency Rate 2.20% above tier average
- Nonperforming Asset Ratio 1.35% above tier average

Get updates when The Western State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$802.1M +1.3% YoY -2.7% QoQ	+$415.6M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 8.1% in tier
Total Loans ?	$519.0M -2.6% YoY -2.2% QoQ	+$260.6M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 10.0% in tier
Total Deposits ?	$717.2M +0.5% YoY -3.1% QoQ	+$390.5M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 5.8% in tier
Return on Assets ?	1.43% -41.2% YoY -39.8% QoQ	+0.11%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	61%
Net Interest Margin ?	4.48% -1.6% YoY +1.8% QoQ	+0.49%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	43.24% +3.9% YoY +1.2% QoQ	-21.24%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 6.8% in tier
Delinquency Rate ?	3.12% +361.8% YoY +140.9% QoQ	+2.20%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Bottom 5.8% in tier
Loan-to-Deposit Ratio ?	72.36% -3.0% YoY +0.9% QoQ	-5.59%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	65%
Non-Interest-Bearing Deposit Share ?	22.76% +4.7% YoY -1.4% QoQ	+0.73%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	58%
Nonperforming Asset Ratio ?	2.02% +344.1% YoY +142.2% QoQ	+1.35%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Bottom 6.9% in tier
Tier 1 Capital Ratio ?	13.78% +3.3% YoY +0.7% QoQ	-2.13%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.16% +3.1% YoY +113.9% QoQ	-0.40%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	38%

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	22.8% +1.0pp YoY -0.3pp QoQ	+0.6pp	22.1%	22.3%	22.2%	58%
Brokered Deposits	1.4% -4.7pp YoY -0.6pp QoQ	-6.4pp	7.9%	8.7%	8.5%	24%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	25.0% 0.0pp YoY -0.2pp QoQ	+13.4pp	11.6%	12.6%	12.5%	93%
CRE	16.5% 0.0pp YoY +0.1pp QoQ	-23.0pp	39.5%	28.8%	41.4%	12%
1-4 Family	14.2% +1.5pp YoY +0.7pp QoQ	-18.4pp	32.6%	26.7%	31.3%	18%
Consumer	1.7% +0.3pp YoY +0.1pp QoQ	-2.4pp	4.1%	4.6%	5.0%	42%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	13.8% +0.4pp YoY +0.1pp QoQ	-5.0pp	18.8%	23.3%	19.7%	37%
Leverage Ratio	10.7% +0.2pp YoY +0.1pp QoQ	-1.5pp	12.2%	12.6%	12.6%	45%
Total Capital Ratio	15.0% +0.4pp YoY +0.1pp QoQ	-4.9pp	19.9%	24.4%	20.8%	38%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	124 +3 (+2.5%) YoY 0 QoQ	+65	58	70	482	94%
Assets per Employee ($)	$6.5M -1.1% YoY -2.7% QoQ	-$1.0M	$7.5M	$7.1M	$8.8M	42%
Branch Count	9 0 YoY 0 QoQ	+4	4	6	18	86%

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	3.1% +2.4pp YoY +1.8pp QoQ	+2.2pp	0.9%	0.8%	1.0%	94%
Allowance Coverage	0.83x -74.3% YoY -54.1% QoQ	-23.33x	24.15x	22.44x	20.23x	21%
Net Charge-off Rate (YTD)	1.3% +1.3pp YoY +1.2pp QoQ	+1.2pp	0.1%	0.1%	0.2%	98%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	14.3% -11.9pp YoY -9.7pp QoQ	+2.1pp	12.2%	14.3%	11.6%	64%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	0.0pp	1.7%	1.6%	1.7%	51%
Net Income ($, YTD)	$5.8M -38.3% YoY — QoQ	+$3.3M	$2.6M	$3.7M	$40.4M	91%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#40 of 307 • Bottom 12.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.43%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

154

Total Deposits

size

Value: $717.19M

Peer Median: $326.73M

#154 of 2643 Top 5.8% in $100M-$1B

181

Efficiency Ratio

profitability

Value: 43.24%

Peer Median: 64.48%

#181 of 2643 Top 6.8% in $100M-$1B

214

Total Assets

size

Value: $802.15M

Peer Median: $386.57M

#214 of 2643 Top 8.1% in $100M-$1B

265

Total Loans

size

Value: $518.98M

Peer Median: $258.35M

#265 of 2643 Top 10.0% in $100M-$1B

558

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.99%

#558 of 2643 Top 21.1% in $100M-$1B

Top Weaknesses (2 metrics)

2480

Delinquency Rate

credit_quality

Value: 3.12%

Peer Median: 0.92%

#2480 of 2633 Bottom 5.8% in $100M-$1B

2461

Nonperforming Asset Ratio

credit_quality

Value: 2.02%

Peer Median: 0.67%

#2461 of 2643 Bottom 6.9% in $100M-$1B