BlastPoint's Banking Scorecard
Argentine Federal Savings
Designations: ✓ Community bank ✓ Mutual
Kansas City, KS
2 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +4.1% year over year ($56.0M on the books).
- Delinquency rate 2.13%.
- Return on assets 0.15%.
- Efficiency ratio 90.04% vs a 119.40% peer average.
- Loan-to-deposit ratio 84.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Argentine Federal Savings has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.37% below tier average
- - ROA 0.84% below tier average
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.4M
+2.4% YoY
-0.2% QoQ
|
+$8.0M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
57% |
| Total Loans ? |
$47.6M
+7.1% YoY
+0.3% QoQ
|
+$12.7M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$56.0M
+4.1% YoY
+1.2% QoQ
|
+$4.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
0.15%
+8.2% QoQ
|
-0.84% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.9% in tier |
| Net Interest Margin ? |
2.55%
+0.8% YoY
-0.7% QoQ
|
-1.37% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.3% in tier |
| Efficiency Ratio ? |
90.04%
-7.5% YoY
-1.1% QoQ
|
-29.35% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
2.13%
+151.9% YoY
+24.0% QoQ
|
+0.65% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
84.99%
+2.9% YoY
-0.9% QoQ
|
+10.78% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
7.80%
+15.6% YoY
+10.7% QoQ
|
-15.69% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.7% in tier |
| Nonperforming Asset Ratio ? |
1.44%
+163.4% YoY
+24.6% QoQ
|
+0.60% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
11.71%
-0.5% YoY
+2.7% QoQ
|
-15.42% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.13%
+180.8% YoY
+142.5% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
7.8%
+1.1pp YoY +0.8pp QoQ |
-16.8pp | 24.6% | 22.3% | 22.2% | 8% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 | n/a | n/a | 13.4% | 12.6% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
86.9%
-3.7pp YoY -1.3pp QoQ |
+51.9pp | 35.0% | 26.7% | 31.3% | 95% |
| Consumer |
0.4%
+0.1pp YoY 0.0pp QoQ |
-7.3pp | 7.7% | 4.6% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
11.7%
-0.1pp YoY +0.3pp QoQ |
-6.0pp | 17.7% | 12.6% | 12.6% | 37% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY -1 (-9.1%) QoQ |
-2 | 12 | 70 | 482 | 43% |
| Assets per Employee ($) |
$7.0M
+2.4% YoY +9.8% QoQ |
+$852K | $6.2M | $7.1M | $8.8M | 67% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY |
-0.8pp | 1.0% | 0.4% | 0.4% | 34% |
| Nonaccrual |
2.0%
+1.2pp YoY +0.3pp QoQ |
+0.2pp | 1.7% | 0.8% | 1.0% | 74% |
| Allowance Coverage |
0.42x
-57.1% YoY -17.3% QoQ |
-5.99x | 6.41x | 22.44x | 20.23x | 15% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
+1.2pp YoY +0.1pp QoQ |
-5.1pp | 6.4% | 14.3% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.8%
-0.1pp YoY -0.1pp QoQ |
+1.4pp | 1.4% | 1.6% | 1.7% | 97% |
| Net Income ($, YTD) |
$54,000
+1700.0% YoY — QoQ |
-$264K | $317,817 | $3.7M | $40.4M | 18% |
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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.