BlastPoint's Banking Scorecard

American Bank of Baxter Springs

$100M-$1B Specialty: Agricultural KS FDIC cert 4624

Baxter Springs, KS

3 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

American Bank of Baxter Springs has 2 strengths but faces 5 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

+ Credit Quality Leader: Top 49.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 2.3% in tier
- Capital Thin: Bottom 2.8% in tier
- Deposit Outflow: Bottom 18.8% in tier
- Cost Spiral: Bottom 84.1% in tier
- Net Interest Margin 0.36% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$187.2M -2.4% YoY -3.8% QoQ	-$198.8M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$96.0M +15.7% YoY +1.6% QoQ	-$159.7M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$169.9M -3.9% YoY -3.9% QoQ	-$158.1M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	27%
Return on Assets ?	1.15% -36.0% YoY -14.1% QoQ	-0.12%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.57% -7.6% YoY -1.8% QoQ	-0.36%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	65.42% +19.8% YoY +3.9% QoQ	+0.14%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	56.50% +20.4% YoY +5.8% QoQ	-20.14%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 14.9% in tier
Non-Interest-Bearing Deposit Share ?	12.09% -9.0% YoY -0.2% QoQ	-9.93%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.20% -6.7% YoY -7.4% QoQ	-6.63%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 1.8% in tier
Non-Interest Income / Assets ?	0.07% +1.6% YoY -81.7% QoQ	-0.21%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	30%

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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 (1)

Credit Quality Leader

growth

#326 of 664 • Top 49.0% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (4)

Margin Compression

decline

#8 of 305 • Bottom 2.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.15%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Capital Thin

risk

#20 of 666 • Bottom 2.8% 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: 9.20%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#96 of 506 • Bottom 18.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Cost Spiral

risk

#107 of 126 • Bottom 84.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 65.42%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

399

Loan-to-Deposit Ratio

liquidity

Value: 56.50%

Peer Median: 76.64%

#399 of 2664 Top 14.9% in $100M-$1B

Top Weaknesses (4 metrics)

2617

Tier 1 Capital Ratio

capital

Value: 9.20%

Peer Median: 15.83%

#2617 of 2664 Bottom 1.8% in $100M-$1B

2265

Non-Interest-Bearing Deposit Share

funding

Value: 12.09%

Peer Median: 22.02%

#2265 of 2664 Bottom 15.0% in $100M-$1B

2178

Total Loans

size

Value: $95.97M

Peer Median: $255.72M

#2178 of 2664 Bottom 18.3% in $100M-$1B

2041

Total Assets

size

Value: $187.24M

Peer Median: $386.08M

#2041 of 2664 Bottom 23.4% in $100M-$1B