BlastPoint's Banking Scorecard

The Bank

$100M-$1B Specialty: Agricultural KS FDIC cert 26522

Oberlin, KS

16 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The 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

+ Profitability Leader: Top 27.3% in tier
+ Efficiency Ratio 26.97% below tier average
+ Net Interest Margin 0.52% above tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 69.2% in tier
- Delinquency Rate 2.31% above tier average
- Nonperforming Asset Ratio 1.29% 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 ?	$620.0M +2.9% YoY +0.8% QoQ	+$233.9M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	82%
Total Loans ?	$356.3M +3.1% YoY -4.2% QoQ	+$100.6M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$546.8M +2.1% YoY +1.1% QoQ	+$218.8M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	2.44% +10.0% YoY +5.0% QoQ	+1.17%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 5.3% in tier
Net Interest Margin ?	4.45% -19.1% YoY -12.4% QoQ	+0.52%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	80%
Efficiency Ratio ?	38.32% +3.6% YoY -4.4% QoQ	-26.97%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 2.7% in tier
Delinquency Rate ?	3.20% -15.2% YoY -1.2% QoQ	+2.31%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 5.4% in tier
Loan-to-Deposit Ratio ?	65.16% +1.0% YoY -5.2% QoQ	-11.48%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	20.98% -14.1% YoY -4.0% QoQ	-1.04%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	1.93% -10.7% YoY -5.8% QoQ	+1.29%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Bottom 7.4% in tier
Tier 1 Capital Ratio ?	17.50% +10.7% YoY +4.0% QoQ	+1.67%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.07% +15.4% YoY -72.0% QoQ	-0.21%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	30%

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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)

Profitability Leader

growth

#183 of 666 • Top 27.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.44%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#138 of 198 • Bottom 69.2% 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: 20.98%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 38.32%

Peer Median: 65.29%

#74 of 2664 Top 2.7% in $100M-$1B

143

Return on Assets

profitability

Value: 2.44%

Peer Median: 1.27%

#143 of 2664 Top 5.3% in $100M-$1B

440

Total Deposits

size

Value: $546.77M

Peer Median: $327.97M

#440 of 2664 Top 16.5% in $100M-$1B

482

Total Assets

size

Value: $620.00M

Peer Median: $386.08M

#482 of 2664 Top 18.1% in $100M-$1B

527

Net Interest Margin

profitability

Value: 4.45%

Peer Median: 3.93%

#527 of 2664 Top 19.7% in $100M-$1B

551

Tier 1 Capital Ratio

capital

Value: 17.50%

Peer Median: 15.83%

#551 of 2664 Top 20.6% in $100M-$1B

663

Total Loans

size

Value: $356.27M

Peer Median: $255.72M

#663 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (2 metrics)

2512

Delinquency Rate

credit_quality

Value: 3.20%

Peer Median: 0.89%

#2512 of 2654 Bottom 5.4% in $100M-$1B

2467

Nonperforming Asset Ratio

credit_quality

Value: 1.93%

Peer Median: 0.64%

#2467 of 2664 Bottom 7.4% in $100M-$1B