BlastPoint's Banking Scorecard

The Bank

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

Oberlin, KS

14 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 +6.6% year over year ($540.5M on the books).
Delinquency rate 3.51%.
Return on assets 2.50%.
Efficiency ratio 37.89% vs a 64.48% peer average.
Loan-to-deposit ratio 68.50% 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) →

The Bank has 3 strengths but faces 2 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 33.3% in tier
+ Efficiency Ratio 26.59% below tier average
+ Net Interest Margin 0.50% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.3% in tier
- Nonperforming Asset Ratio 1.54% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$617.3M +6.8% YoY -0.4% QoQ	+$230.7M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	82%
Total Loans ?	$370.3M +3.5% YoY +3.9% QoQ	+$111.9M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$540.5M +6.6% YoY -1.1% QoQ	+$213.8M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	83%
Return on Assets ?	2.50% +4.5% YoY +2.5% QoQ	+1.18%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 4.7% in tier
Net Interest Margin ?	4.49% -16.1% YoY +0.8% QoQ	+0.50%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	79%
Efficiency Ratio ?	37.89% +2.8% YoY -1.1% QoQ	-26.59%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 2.5% in tier
Delinquency Rate ?	3.51% +0.5% YoY +10.0% QoQ	+2.60%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Bottom 4.6% in tier
Loan-to-Deposit Ratio ?	68.50% -2.9% YoY +5.1% QoQ	-9.45%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	21.10% +4.1% YoY +0.6% QoQ	-0.93%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	2.20% +1.7% YoY +14.1% QoQ	+1.54%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Bottom 6.0% in tier
Tier 1 Capital Ratio ?	18.10% +8.4% YoY +3.4% QoQ	+2.19%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.13% +3.7% YoY +90.3% QoQ	-0.44%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	28%

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	21.1% +0.8pp YoY +0.1pp QoQ	-1.0pp	22.1%	22.3%	22.2%	50%
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	8.7% +0.1pp YoY -1.6pp QoQ	-2.9pp	11.6%	12.6%	12.5%	45%
CRE	5.5% +0.6pp YoY +0.1pp QoQ	-34.1pp	39.5%	28.8%	41.4%	1%
1-4 Family	6.1% +0.3pp YoY 0.0pp QoQ	-26.5pp	32.6%	26.7%	31.3%	6%
Consumer	1.5% +0.1pp YoY 0.0pp QoQ	-2.6pp	4.1%	4.6%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	18.1% +1.4pp YoY +0.6pp QoQ	-0.7pp	18.8%	23.3%	19.7%	70%
Leverage Ratio	11.5% +0.7pp YoY +0.6pp QoQ	-0.7pp	12.2%	12.6%	12.6%	57%
Total Capital Ratio	19.4% +1.4pp YoY +0.6pp QoQ	-0.6pp	19.9%	24.4%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	75 -6 (-7.4%) YoY -2 (-2.6%) QoQ	+16	58	70	482	74%
Assets per Employee ($)	$8.2M +15.4% YoY +2.2% QoQ	+$712K	$7.5M	$7.1M	$8.8M	71%
Branch Count	14 0 YoY 0 QoQ	+9	4	6	18	97%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.4pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	38%
Nonaccrual	3.5% +0.4pp YoY +0.5pp QoQ	+2.5pp	0.9%	0.8%	1.0%	96%
Allowance Coverage	0.56x -3.8% YoY -12.5% QoQ	-23.59x	24.15x	22.44x	20.23x	12%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	28%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	21.2% +1.2pp YoY +0.2pp QoQ	+9.0pp	12.2%	14.3%	11.6%	90%
Cost of Funds (YTD)	1.3% -0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.6%	1.7%	25%
Net Income ($, YTD)	$7.7M +16.8% YoY — QoQ	+$5.2M	$2.6M	$3.7M	$40.4M	97%

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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

#221 of 661 • Top 33.3% in tier

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

Why this signature

Return on Assets: 2.50%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (1)

Credit Risk Growth

risk

#51 of 936 • Bottom 5.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 37.89%

Peer Median: 64.48%

#67 of 2643 Top 2.5% in $100M-$1B

125

Return on Assets

profitability

Value: 2.50%

Peer Median: 1.32%

#125 of 2643 Top 4.7% in $100M-$1B

440

Total Deposits

size

Value: $540.52M

Peer Median: $326.73M

#440 of 2643 Top 16.6% in $100M-$1B

487

Total Assets

size

Value: $617.26M

Peer Median: $386.57M

#487 of 2643 Top 18.4% in $100M-$1B

495

Tier 1 Capital Ratio

capital

Value: 18.10%

Peer Median: 15.91%

#495 of 2643 Top 18.7% in $100M-$1B

550

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.99%

#550 of 2643 Top 20.8% in $100M-$1B

633

Total Loans

size

Value: $370.27M

Peer Median: $258.35M

#633 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (2 metrics)

2512

Delinquency Rate

credit_quality

Value: 3.51%

Peer Median: 0.92%

#2512 of 2633 Bottom 4.6% in $100M-$1B

2485

Nonperforming Asset Ratio

credit_quality

Value: 2.20%

Peer Median: 0.67%

#2485 of 2643 Bottom 6.0% in $100M-$1B