BlastPoint's Banking Scorecard
The Community Bank
Liberal, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +3.3% year over year ($152.2M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.14%.
- Efficiency ratio 64.50% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Community Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.17% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.5M
+4.2% YoY
-2.4% QoQ
|
-$213.0M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$88.7M
-3.2% YoY
+2.1% QoQ
|
-$169.7M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.2% in tier |
| Total Deposits ? |
$152.2M
+3.3% YoY
-3.0% QoQ
|
-$174.5M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.14%
-0.1% YoY
+6.0% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.81%
-0.2% YoY
+2.2% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
64.50%
+0.5% YoY
-1.3% QoQ
|
+0.02% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
44% |
| Delinquency Rate ? |
0.04%
-88.9% YoY
-54.6% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
58.25%
-6.2% YoY
+5.2% QoQ
|
-19.70% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
26.24%
-10.6% YoY
-5.4% QoQ
|
+4.21% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.02%
-89.6% YoY
-52.5% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
20.63%
+10.4% YoY
-2.3% QoQ
|
+4.72% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 12.4% in tier |
| Non-Interest Income / Assets ? |
0.30%
+5.0% YoY
+120.0% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
72% |
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 |
26.2%
-3.1pp YoY -1.5pp QoQ |
+4.1pp | 22.1% | 22.3% | 22.2% | 71% |
| 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 |
14.8%
+4.8pp YoY +1.6pp QoQ |
+3.2pp | 11.6% | 12.6% | 12.5% | 75% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
1.4%
-0.1pp YoY -0.1pp QoQ |
-31.2pp | 32.6% | 26.7% | 31.3% | 2% |
| Consumer |
24.1%
+1.0pp YoY -0.2pp QoQ |
+19.9pp | 4.1% | 4.6% | 5.0% | 98% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.6%
+1.9pp YoY -0.5pp QoQ |
+1.8pp | 18.8% | 23.3% | 19.7% | 80% |
| Leverage Ratio |
12.8%
0.0pp YoY +0.3pp QoQ |
+0.7pp | 12.2% | 12.6% | 12.6% | 73% |
| Total Capital Ratio |
21.9%
+1.9pp YoY -0.5pp QoQ |
+1.9pp | 19.9% | 24.4% | 20.8% | 80% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-1 (-4.2%) YoY 0 QoQ |
-36 | 58 | 70 | 482 | 15% |
| Assets per Employee ($) |
$7.5M
+8.7% YoY -2.4% QoQ |
+$26K | $7.5M | $7.1M | $8.8M | 62% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 10% |
| Allowance Coverage |
36.18x
+757.7% YoY +120.4% QoQ |
+12.03x | 24.15x | 22.44x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 13% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
-1.1pp YoY +0.5pp QoQ |
-2.0pp | 12.2% | 14.3% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 27% |
| Net Income ($, YTD) |
$999,000
+5.4% YoY — QoQ |
-$1.6M | $2.6M | $3.7M | $40.4M | 26% |
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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.