BlastPoint's Banking Scorecard

Stryv Bank

$100M-$1B Specialty: Commercial KS FDIC cert 21955

Wichita, KS

3 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 +30.2% year over year ($297.0M on the books).
Delinquency rate 0.00%.
Return on assets 1.09%.
Efficiency ratio 67.21% vs a 64.48% peer average.
Loan-to-deposit ratio 96.18% 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) →

Stryv Bank has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 36.4% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.21% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 29.0% in tier
- Non-Interest Income / Assets 0.52% below tier average
- ROA 0.23% below tier average
- Efficiency Ratio 2.74% above tier average

Get updates when Stryv 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 ?	$333.3M +29.1% YoY +7.7% QoQ	-$53.2M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$285.6M +28.3% YoY +6.3% QoQ	+$27.3M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$297.0M +30.2% YoY +8.4% QoQ	-$29.8M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	54%
Return on Assets ?	1.09% +7.3% YoY +1.4% QoQ	-0.23%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	40%
Net Interest Margin ?	4.19% -3.2% YoY -0.8% QoQ	+0.21%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	67.21% -4.4% YoY -0.8% QoQ	+2.74%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	36%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.18% -1.4% YoY -2.0% QoQ	+18.23%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 14.6% in tier
Non-Interest-Bearing Deposit Share ?	14.55% -19.6% YoY +0.3% QoQ	-7.48%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.96% -6.5% YoY -4.7% QoQ	-5.95%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 10.1% in tier
Non-Interest Income / Assets ?	0.04% -10.1% YoY +115.6% QoQ	-0.52%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Bottom 4.7% in tier

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	14.6% -3.6pp YoY 0.0pp QoQ	-7.6pp	22.1%	22.3%	22.2%	22%
Brokered Deposits	47.0% +9.1pp YoY -0.7pp QoQ	+39.1pp	7.9%	8.7%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	6.2% -1.3pp YoY +0.7pp QoQ	-5.3pp	11.6%	12.6%	12.5%	27%
CRE	55.1% -2.8pp YoY -1.5pp QoQ	+15.6pp	39.5%	28.8%	41.4%	78%
1-4 Family	22.0% -3.2pp YoY +0.1pp QoQ	-10.7pp	32.6%	26.7%	31.3%	34%
Consumer	7.1% +3.2pp YoY +0.1pp QoQ	+3.0pp	4.1%	4.6%	5.0%	86%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	10.0% -0.7pp YoY -0.5pp QoQ	-8.9pp	18.8%	23.3%	19.7%	2%
Leverage Ratio	8.9% -0.5pp YoY -0.8pp QoQ	-3.3pp	12.2%	12.6%	12.6%	11%
Total Capital Ratio	10.9% -0.7pp YoY -0.5pp QoQ	-9.0pp	19.9%	24.4%	20.8%	2%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	35 +3 (+9.4%) YoY +2 (+6.1%) QoQ	-24	58	70	482	35%
Assets per Employee ($)	$9.5M +18.1% YoY +1.6% QoQ	+$2.0M	$7.5M	$7.1M	$8.8M	83%
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	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	12.5% +1.4pp YoY +0.3pp QoQ	+0.3pp	12.2%	14.3%	11.6%	53%
Cost of Funds (YTD)	2.5% +0.1pp YoY +0.1pp QoQ	+0.8pp	1.7%	1.6%	1.7%	90%
Net Income ($, YTD)	$1.7M +34.5% YoY — QoQ	-$854K	$2.6M	$3.7M	$40.4M	46%

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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 (1)

Credit Quality Leader

growth

#241 of 659 • Top 36.4% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

NIB Deposit Bleed

decline

#48 of 162 • Bottom 29.0% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.55%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank declining

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 (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2520

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.57%

#2520 of 2643 Bottom 4.7% in $100M-$1B

2378

Tier 1 Capital Ratio

capital

Value: 9.96%

Peer Median: 15.91%

#2378 of 2643 Bottom 10.1% in $100M-$1B

2258

Loan-to-Deposit Ratio

liquidity

Value: 96.18%

Peer Median: 77.95%

#2258 of 2643 Bottom 14.6% in $100M-$1B

2053

Non-Interest-Bearing Deposit Share

funding

Value: 14.55%

Peer Median: 22.03%

#2053 of 2643 Bottom 22.4% in $100M-$1B