BlastPoint's Banking Scorecard
nbkc bank
Designations: ✓ Community bank
Leawood, KS
4 branches across KS · MO
nbkc bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 17.7% in tier
- + Non-Interest-Bearing Deposit Share 14.06% above tier average
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 12.2% in tier
- - Liquidity Overhang: Bottom 18.4% in tier
- - Margin Compression: Bottom 66.7% in tier
- - Net Interest Margin 0.09% below tier average
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+8.3% YoY
-2.2% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$885.3M
+8.7% YoY
+0.6% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
23% |
| Total Deposits ? |
$996.6M
+8.7% YoY
-2.9% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.8% in tier |
| Return on Assets ? |
1.66%
-10.2% YoY
-39.4% QoQ
|
+0.30% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.72%
+1.9% YoY
-4.6% QoQ
|
-0.09% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
54% |
| Efficiency Ratio ? |
82.02%
+1.5% YoY
+11.2% QoQ
|
+20.96% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate ? |
1.29%
+70.8% YoY
+15.4% QoQ
|
+0.40% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
88.83%
-0.0% YoY
+3.6% QoQ
|
+4.63% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
35.35%
-3.3% YoY
+1.8% QoQ
|
+14.06% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.4% in tier |
| Nonperforming Asset Ratio ? |
0.93%
+62.1% YoY
+18.7% QoQ
|
+0.26% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
22.35%
-1.8% YoY
+0.2% QoQ
|
+7.19% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 5.7% in tier |
| Non-Interest Income / Assets ? |
1.68%
+17.2% YoY
-74.8% QoQ
|
+1.42% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 1.6% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.