BlastPoint's Banking Scorecard

Bankers' Bank of Kansas

$100M-$1B Specialty: Commercial KS FDIC cert 27351

Wichita, 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 +14.1% year over year ($130.4M on the books).
Delinquency rate 1.54%.
Return on assets 0.75%.
Efficiency ratio 78.78% vs a 64.48% peer average.
Loan-to-deposit ratio 130.40% 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) →

Bankers' Bank of Kansas has 2 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

+ Revenue Diversifier: Top 17.4% in tier
+ Deposit Franchise: Top 20.5% in tier

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 16.8% in tier
- ROA 0.57% below tier average
- Efficiency Ratio 14.30% above tier average
- Delinquency Rate 0.62% above tier average

Get updates when Bankers' Bank of Kansas releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$255.7M +16.6% YoY +20.5% QoQ	-$130.9M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	38%
Total Loans ?	$170.1M +22.8% YoY +2.7% QoQ	-$88.3M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$130.4M +14.1% YoY +4.4% QoQ	-$196.3M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	16%
Return on Assets ?	0.75% +34.0% YoY +5.5% QoQ	-0.57%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	4.85% +3.3% YoY -5.8% QoQ	+0.86%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 10.8% in tier
Efficiency Ratio ?	78.78% -5.0% YoY -0.2% QoQ	+14.30%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	15%
Delinquency Rate ?	1.54% -38.6% YoY -6.8% QoQ	+0.62%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	130.40% +7.6% YoY -1.6% QoQ	+52.45%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 0.6% in tier
Non-Interest-Bearing Deposit Share ?	64.51% -11.5% YoY -13.3% QoQ	+42.48%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Top 0.5% in tier
Nonperforming Asset Ratio ?	1.02% -35.4% YoY -20.6% QoQ	+0.36%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	17.97% -17.1% YoY -2.5% QoQ	+2.06%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	81%
Non-Interest Income / Assets ?	1.66% -6.4% YoY +69.1% QoQ	+1.09%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Top 2.0% 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	64.5% -8.4pp YoY -9.9pp QoQ	+42.4pp	22.1%	22.3%	22.2%	99%
Brokered Deposits	30.8% +9.7pp YoY +10.7pp QoQ	+22.9pp	7.9%	8.7%	8.5%	97%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	17.8% -7.1pp YoY -4.2pp QoQ	+6.3pp	11.6%	12.6%	12.5%	84%
CRE	n/a	n/a	39.5%	28.8%	41.4%	n/a
1-4 Family	0.3% +0.1pp YoY 0.0pp QoQ	-32.3pp	32.6%	26.7%	31.3%	0%
Consumer	14.2% -3.8pp YoY -0.2pp QoQ	+10.1pp	4.1%	4.6%	5.0%	96%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	18.0% -3.7pp YoY -0.5pp QoQ	-0.9pp	18.8%	23.3%	19.7%	69%
Leverage Ratio	16.3% -0.7pp YoY +0.8pp QoQ	+4.1pp	12.2%	12.6%	12.6%	91%
Total Capital Ratio	19.2% -3.7pp YoY -0.5pp QoQ	-0.7pp	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	49 -1 (-2.0%) YoY +1 (+2.1%) QoQ	-10	58	70	482	52%
Assets per Employee ($)	$5.2M +19.0% YoY +18.0% QoQ	-$2.3M	$7.5M	$7.1M	$8.8M	18%
Branch Count	1 0 YoY 0 QoQ	-4	4	6	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.1pp YoY -0.1pp QoQ	-0.1pp	0.3%	0.4%	0.4%	63%
Nonaccrual	1.4% -0.9pp YoY 0.0pp QoQ	+0.4pp	0.9%	0.8%	1.0%	79%
Allowance Coverage	1.20x +31.6% YoY +8.3% QoQ	-22.95x	24.15x	22.44x	20.23x	32%
Net Charge-off Rate (YTD)	0.8% +0.2pp YoY +0.1pp QoQ	+0.6pp	0.1%	0.1%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	4.7% +1.2pp YoY +0.5pp QoQ	-7.5pp	12.2%	14.3%	11.6%	13%
Cost of Funds (YTD)	1.5% 0.0pp YoY -0.2pp QoQ	-0.2pp	1.7%	1.6%	1.7%	35%
Net Income ($, YTD)	$853,000 +37.8% YoY — QoQ	-$1.7M	$2.6M	$3.7M	$40.4M	22%

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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 (2)

Revenue Diversifier

growth

#116 of 661 • Top 17.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.66%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.75%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Deposit Franchise

growth

#58 of 278 • Top 20.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 64.51%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.85%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#126 of 742 • Bottom 16.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.97%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 130.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 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 (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 64.51%

Peer Median: 22.03%

#15 of 2643 Top 0.5% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.66%

Peer Median: 0.57%

#55 of 2643 Top 2.0% in $100M-$1B

286

Net Interest Margin

profitability

Value: 4.85%

Peer Median: 3.99%

#286 of 2643 Top 10.8% in $100M-$1B

509

Tier 1 Capital Ratio

capital

Value: 17.97%

Peer Median: 15.91%

#509 of 2643 Top 19.2% in $100M-$1B

Top Weaknesses (6 metrics)

2627

Loan-to-Deposit Ratio

liquidity

Value: 130.40%

Peer Median: 77.95%

#2627 of 2643 Bottom 0.6% in $100M-$1B

2247

Efficiency Ratio

profitability

Value: 78.78%

Peer Median: 64.48%

#2247 of 2643 Bottom 15.0% in $100M-$1B

2232

Total Deposits

size

Value: $130.42M

Peer Median: $326.73M

#2232 of 2643 Bottom 15.6% in $100M-$1B

2161

Delinquency Rate

credit_quality

Value: 1.54%

Peer Median: 0.92%

#2161 of 2633 Bottom 18.0% in $100M-$1B

2123

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.67%

#2123 of 2643 Bottom 19.7% in $100M-$1B

2090

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2090 of 2643 Bottom 21.0% in $100M-$1B