BlastPoint's Banking Scorecard
nbkc bank
Designations: ✓ Community bank
Leawood, KS
4 branches across KS · MO
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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits +9.0% year over year ($1.0B on the books).
- Delinquency rate 1.47%.
- Return on assets 2.23%.
- Efficiency ratio 77.21% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.82% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
nbkc bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 9.0% in tier
- + Return on Assets 0.84% above tier average
- + Non-Interest-Bearing Deposit Share 15.07% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 17.4% in tier
- - Margin Compression: Bottom 52.9% in tier
- - Efficiency Ratio 17.48% above tier average
- - Net Interest Margin 0.08% below tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+8.2% YoY
+1.1% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$903.8M
+10.2% YoY
+2.1% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$1.0B
+9.0% YoY
+1.0% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
2.23%
-25.6% YoY
+34.0% QoQ
|
+0.84% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 6.2% in tier |
| Net Interest Margin ? |
3.79%
+0.4% YoY
+1.8% QoQ
|
-0.08% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
77.21%
+7.3% YoY
-5.9% QoQ
|
+17.48% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate ? |
1.47%
+68.4% YoY
+13.4% QoQ
|
+0.60% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
89.82%
+1.1% YoY
+1.1% QoQ
|
+4.79% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
36.34%
-3.8% YoY
+2.8% QoQ
|
+15.07% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 7.2% in tier |
| Nonperforming Asset Ratio ? |
1.07%
+63.2% YoY
+14.5% QoQ
|
+0.39% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
22.05%
-5.8% YoY
-1.4% QoQ
|
+7.21% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 5.4% in tier |
| Non-Interest Income / Assets ? |
3.50%
-2.8% YoY
+108.9% QoQ
|
+2.97% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 1.5% in tier |
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 |
36.3%
-1.4pp YoY +1.0pp QoQ |
+15.0pp | 21.4% | 22.3% | 22.2% | 93% |
| Brokered Deposits |
9.2%
+5.1pp YoY +3.1pp QoQ |
-0.2pp | 9.5% | 8.7% | 8.5% | 66% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.8%
+0.5pp YoY +0.4pp QoQ |
-9.2pp | 14.0% | 12.6% | 12.5% | 17% |
| CRE |
40.8%
-0.4pp YoY +0.2pp QoQ |
-9.2pp | 50.0% | 28.8% | 41.4% | 27% |
| 1-4 Family |
50.5%
-1.9pp YoY -1.5pp QoQ |
+24.0pp | 26.4% | 26.7% | 31.3% | 90% |
| Consumer |
3.1%
+0.9pp YoY +0.2pp QoQ |
-1.6pp | 4.7% | 4.6% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
22.1%
-1.3pp YoY -0.3pp QoQ |
+6.5pp | 15.6% | 23.3% | 19.7% | 94% |
| Leverage Ratio |
17.1%
-0.4pp YoY -0.2pp QoQ |
+5.8pp | 11.3% | 12.6% | 12.6% | 96% |
| Total Capital Ratio |
23.3%
-1.3pp YoY -0.3pp QoQ |
+6.6pp | 16.7% | 24.4% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
364
-4 (-1.1%) YoY 0 QoQ |
+50 | 313 | 70 | 482 | 74% |
| Assets per Employee ($) |
$3.4M
+9.4% YoY +1.1% QoQ |
-$7.1M | $10.5M | $7.1M | $8.8M | 1% |
| Branch Count |
4
0 YoY 0 QoQ |
-16 | 20 | 6 | 18 | 10% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.5%
+0.6pp YoY +0.2pp QoQ |
+0.6pp | 0.8% | 0.8% | 1.0% | 86% |
| Allowance Coverage |
0.89x
-44.2% YoY -14.4% QoQ |
-17.82x | 18.71x | 22.44x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.5%
-4.9pp YoY +3.3pp QoQ |
+0.9pp | 12.6% | 14.3% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.9% | 1.6% | 1.7% | 47% |
| Net Income ($, YTD) |
$13.8M
-19.0% YoY — QoQ |
-$5.4M | $19.2M | $3.7M | $40.4M | 56% |
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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 (2)
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.