BlastPoint's Banking Scorecard
Stryv Bank
Wichita, KS
2 branches across KS
Stryv Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39.3% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 21.7% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - ROA 0.19% below tier average
- - Efficiency Ratio 2.44% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$309.4M
+24.3% YoY
+6.5% QoQ
|
-$76.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$268.8M
+29.8% YoY
+10.0% QoQ
|
+$13.1M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$273.8M
+24.8% YoY
+5.7% QoQ
|
-$54.1M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.08%
+21.3% YoY
+6.9% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
4.23%
-0.2% YoY
-2.9% QoQ
|
+0.30% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
67.73%
-6.2% YoY
-3.3% QoQ
|
+2.44% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
38% |
| 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 ? |
98.16%
+4.0% YoY
+4.1% QoQ
|
+21.52% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.51%
-21.3% YoY
-0.2% QoQ
|
-7.51% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
22% |
| 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 ? |
10.45%
-6.4% YoY
+6.5% QoQ
|
-5.38% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.02%
+8.5% YoY
-77.5% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.5% 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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.