BlastPoint's Banking Scorecard
The Bank of Protection
Protection, KS
5 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 +58.4% year over year ($122.0M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.60%.
- Efficiency ratio 47.67% vs a 64.48% peer average.
- Loan-to-deposit ratio 88.17% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Protection shows strong momentum with 4 strengths and 56.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Net Interest Margin 0.62% above tier average
- + Efficiency Ratio 16.81% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$154.4M
+56.8% YoY
+2.8% QoQ
|
-$232.1M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$107.5M
+69.8% YoY
+5.6% QoQ
|
-$150.8M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$122.0M
+58.4% YoY
+4.3% QoQ
|
-$204.8M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.7% in tier |
| Return on Assets ? |
1.60%
-8.6% YoY
+4.2% QoQ
|
+0.28% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
4.61%
+5.9% YoY
-2.1% QoQ
|
+0.62% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
47.67%
+1.0% YoY
-2.2% QoQ
|
-16.81% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 12.5% in tier |
| Delinquency Rate ? |
0.01%
-89.3% YoY
-96.7% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 13.6% in tier |
| Loan-to-Deposit Ratio ? |
88.17%
+7.2% YoY
+1.2% QoQ
|
+10.22% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
26.66%
+11.5% YoY
+14.0% QoQ
|
+4.63% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.03%
-64.5% YoY
-79.5% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
11.81%
-24.4% YoY
-14.3% QoQ
|
-4.09% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.10%
-22.3% YoY
+87.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
19% |
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 |
26.7%
+2.7pp YoY +3.3pp QoQ |
+4.5pp | 22.1% | 22.3% | 22.2% | 72% |
| 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 |
6.2%
-0.7pp YoY +0.8pp QoQ |
-5.3pp | 11.6% | 12.6% | 12.5% | 27% |
| CRE |
0.9%
-0.1pp QoQ |
-38.6pp | 39.5% | 28.8% | 41.4% | 0% |
| 1-4 Family |
5.8%
-3.0pp YoY -0.4pp QoQ |
-26.8pp | 32.6% | 26.7% | 31.3% | 6% |
| Consumer |
3.3%
-1.1pp YoY -0.1pp QoQ |
-0.8pp | 4.1% | 4.6% | 5.0% | 63% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
11.8%
-3.8pp YoY 0.0pp QoQ |
-0.4pp | 12.2% | 12.6% | 12.6% | 63% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+6 (+40.0%) YoY 0 QoQ |
-38 | 58 | 70 | 482 | 12% |
| Assets per Employee ($) |
$7.4M
+12.0% YoY +2.8% QoQ |
-$164K | $7.5M | $7.1M | $8.8M | 58% |
| Branch Count |
5
+2 (+66.7%) YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 14% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
123.12x
+679.5% YoY +3021.9% QoQ |
+98.97x | 24.15x | 22.44x | 20.23x | 97% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.9%
+0.5pp YoY +0.7pp QoQ |
+1.7pp | 12.2% | 14.3% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.8%
-0.5pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 58% |
| Net Income ($, YTD) |
$1.2M
+40.1% YoY — QoQ |
-$1.4M | $2.6M | $3.7M | $40.4M | 33% |
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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.