BlastPoint's Banking Scorecard

Great American Bank

$100M-$1B Specialty: Commercial KS FDIC cert 35292

Lawrence, KS

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +0.8% year over year ($421.3M on the books).
Delinquency rate 0.00%.
Return on assets 2.98%.
Efficiency ratio 39.16% vs a 64.48% peer average.
Loan-to-deposit ratio 101.59% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Great American Bank has 5 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 15.6% in tier
+ Credit Quality Leader: Top 45.1% in tier
+ Net Interest Margin 1.15% above tier average
+ Efficiency Ratio 25.32% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 35.0% in tier
- Loan-to-Deposit Ratio 23.63% above tier average

Get updates when Great American Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$513.2M +1.1% YoY +1.8% QoQ	+$126.6M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	73%
Total Loans ?	$427.9M +5.3% YoY +3.2% QoQ	+$169.6M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$421.3M +0.8% YoY +1.0% QoQ	+$94.5M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	2.98% +13.8% YoY +12.2% QoQ	+1.66%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 2.0% in tier
Net Interest Margin ?	5.13% +11.4% YoY +7.8% QoQ	+1.15%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 6.3% in tier
Efficiency Ratio ?	39.16% -6.5% YoY -5.8% QoQ	-25.32%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 3.2% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	101.59% +4.5% YoY +2.1% QoQ	+23.63%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	Bottom 8.2% in tier
Non-Interest-Bearing Deposit Share ?	20.39% +7.9% YoY +3.2% QoQ	-1.64%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	47%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.97% +7.9% YoY +4.3% QoQ	-4.94%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.18% -26.3% YoY +183.6% QoQ	-0.38%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	44%

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	20.4% +1.5pp YoY +0.6pp QoQ	-1.8pp	22.1%	22.3%	22.2%	47%
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	18.8% +7.6pp YoY +2.6pp QoQ	+7.2pp	11.6%	12.6%	12.5%	86%
CRE	48.2% -7.6pp YoY -2.7pp QoQ	+8.7pp	39.5%	28.8%	41.4%	67%
1-4 Family	29.9% 0.0pp YoY +1.1pp QoQ	-2.8pp	32.6%	26.7%	31.3%	51%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-3.9pp	4.1%	4.6%	5.0%	9%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	11.0% +0.8pp YoY +0.5pp QoQ	-1.2pp	12.2%	12.6%	12.6%	50%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	55 0 YoY 0 QoQ	-4	58	70	482	58%
Assets per Employee ($)	$9.3M +1.1% YoY +1.8% QoQ	+$1.8M	$7.5M	$7.1M	$8.8M	82%
Branch Count	5 0 YoY 0 QoQ	0	4	6	18	55%

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	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	22.2% +1.4pp YoY +2.2pp QoQ	+10.0pp	12.2%	14.3%	11.6%	93%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.6%	1.7%	86%
Net Income ($, YTD)	$7.5M +15.5% YoY — QoQ	+$5.0M	$2.6M	$3.7M	$40.4M	96%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#104 of 661 • Top 15.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.98%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#298 of 659 • Top 45.1% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#232 of 661 • Bottom 35.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.97%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 2.98%

Peer Median: 1.32%

#55 of 2643 Top 2.0% in $100M-$1B

Efficiency Ratio

profitability

Value: 39.16%

Peer Median: 64.48%

#86 of 2643 Top 3.2% in $100M-$1B

167

Net Interest Margin

profitability

Value: 5.13%

Peer Median: 3.99%

#167 of 2643 Top 6.3% in $100M-$1B

479

Total Loans

size

Value: $427.94M

Peer Median: $258.35M

#479 of 2643 Top 18.1% in $100M-$1B

Top Weaknesses (2 metrics)

2428

Loan-to-Deposit Ratio

liquidity

Value: 101.59%

Peer Median: 77.95%

#2428 of 2643 Bottom 8.2% in $100M-$1B

2037

Tier 1 Capital Ratio

capital

Value: 10.97%

Peer Median: 15.91%

#2037 of 2643 Bottom 23.0% in $100M-$1B