BlastPoint's Banking Scorecard
The Community Bank
Liberal, KS
2 branches across KS
The Community Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.20% below tier average
- - Efficiency Ratio 0.08% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.7M
+8.0% YoY
+2.3% QoQ
|
-$208.3M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$86.8M
-3.2% YoY
-5.2% QoQ
|
-$168.9M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.3% in tier |
| Total Deposits ? |
$156.9M
+7.1% YoY
+2.7% QoQ
|
-$171.1M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.08%
-1.3% YoY
-6.4% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.73%
-0.7% YoY
-2.9% QoQ
|
-0.20% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
65.37%
+0.2% YoY
+1.6% QoQ
|
+0.08% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
0.09%
-76.8% YoY
-42.0% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
55.35%
-9.6% YoY
-7.7% QoQ
|
-21.29% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 13.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.72%
-3.4% YoY
-4.3% QoQ
|
+5.70% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.05%
-79.2% YoY
-46.2% QoQ
|
-0.59% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
78% |
| Tier 1 Capital Ratio ? |
21.11%
+13.6% YoY
+6.1% QoQ
|
+5.28% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 11.4% in tier |
| Non-Interest Income / Assets ? |
0.14%
-0.4% YoY
-76.5% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
69% |
Get Full Access to The Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.