BlastPoint's Banking Scorecard

Small Business Bank

under $100M Specialty: Agricultural KS FDIC cert 25744

Designations: ✓ Community bank

Lenexa, KS

541 banks in the under $100M peer group nationally 48 in KS

Small Business Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 5.13% below tier average
- Net Interest Margin 1.54% below tier average
- Efficiency Ratio 160.69% above tier average
- Delinquency Rate 3.58% above tier average
- Nonperforming Asset Ratio 3.28% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$72.9M -14.3% YoY -0.1% QoQ	+$10.8M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	61%
Total Loans ?	$59.9M -8.2% YoY -2.8% QoQ	+$25.7M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 11.6% in tier
Total Deposits ?	$68.8M -9.8% YoY +0.9% QoQ	+$17.0M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	-4.29% +47.6% YoY +36.7% QoQ	-5.13%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Bottom 2.4% in tier
Net Interest Margin ?	2.32% -14.3% YoY -5.3% QoQ	-1.54%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	Bottom 5.2% in tier
Efficiency Ratio ?	249.03% -19.9% YoY -6.6% QoQ	+160.69%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Bottom 2.2% in tier
Delinquency Rate ?	4.95% +126.4% YoY +1.9% QoQ	+3.58%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 6.1% in tier
Loan-to-Deposit Ratio ?	87.16% +1.8% YoY -3.8% QoQ	+22.94%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	31.18% -8.1% YoY -4.3% QoQ	+7.46%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	76%
Nonperforming Asset Ratio ?	4.07% +142.7% YoY -0.9% QoQ	+3.28%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 3.3% in tier
Tier 1 Capital Ratio ?	14.01% -41.2% YoY -19.7% QoQ	-12.67%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.09% +768.6% YoY -73.4% QoQ	-0.58%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	64%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Total Loans

size

Value: $59.94M

Peer Median: $34.25M

#64 of 541 Top 11.6% in under $100M

130

Non-Interest-Bearing Deposit Share

funding

Value: 31.18%

Peer Median: 23.71%

#130 of 541 Top 23.8% in under $100M

Top Weaknesses (6 metrics)

530

Efficiency Ratio

profitability

Value: 249.03%

Peer Median: 88.34%

#530 of 541 Bottom 2.2% in under $100M

529

Return on Assets

profitability

Value: -4.29%

Peer Median: 0.84%

#529 of 541 Bottom 2.4% in under $100M

524

Nonperforming Asset Ratio

credit_quality

Value: 4.07%

Peer Median: 0.79%

#524 of 541 Bottom 3.3% in under $100M

514

Net Interest Margin

profitability

Value: 2.32%

Peer Median: 3.86%

#514 of 541 Bottom 5.2% in under $100M

490

Delinquency Rate

credit_quality

Value: 4.95%

Peer Median: 1.37%

#490 of 521 Bottom 6.1% in under $100M

444

Loan-to-Deposit Ratio

liquidity

Value: 87.16%

Peer Median: 64.22%

#444 of 541 Bottom 18.1% in under $100M