BlastPoint's Banking Scorecard

NINNESCAH VALLEY BANK

under $100M Specialty: Agricultural KS FDIC cert 4652

Designations: ✓ Community bank

Cunningham, KS

541 banks in the under $100M peer group nationally 48 in KS

NINNESCAH VALLEY BANK has 4 strengths but faces 1 concern

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

+ Non-Interest-Bearing Deposit Share 17.84% above tier average
+ ROA 0.24% above tier average
+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio 21.19% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.35% above 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 ?	$44.1M +2.9% YoY +8.9% QoQ	-$18.0M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$16.8M +3.4% YoY +2.6% QoQ	-$17.4M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$40.1M +0.9% YoY +10.0% QoQ	-$11.6M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	31%
Return on Assets ?	1.08% +24.2% YoY +10.6% QoQ	+0.24%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	3.98% -4.4% YoY -4.6% QoQ	+0.12%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	67.15% +2.7% YoY +2.4% QoQ	-21.19%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	3.73% -20.4% YoY -11.7% QoQ	+2.35%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 9.6% in tier
Loan-to-Deposit Ratio ?	41.86% +2.5% YoY -6.7% QoQ	-22.35%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	79%
Non-Interest-Bearing Deposit Share ?	41.56% -2.0% YoY +3.0% QoQ	+17.84%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Top 8.1% in tier
Nonperforming Asset Ratio ?	1.42% -20.0% YoY -16.8% QoQ	+0.63%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	11.94% -1.4% YoY -4.8% QoQ	-14.74%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.03% +4.6% YoY -77.5% QoQ	-0.63%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	24%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 41.56%

Peer Median: 23.71%

#45 of 541 Top 8.1% in under $100M

115

Loan-to-Deposit Ratio

liquidity

Value: 41.86%

Peer Median: 64.22%

#115 of 541 Top 21.1% in under $100M

Top Weaknesses (5 metrics)

472

Delinquency Rate

credit_quality

Value: 3.73%

Peer Median: 1.37%

#472 of 521 Bottom 9.6% in under $100M

449

Nonperforming Asset Ratio

credit_quality

Value: 1.42%

Peer Median: 0.79%

#449 of 541 Bottom 17.2% in under $100M

423

Tier 1 Capital Ratio

capital

Value: 11.94%

Peer Median: 26.68%

#423 of 541 Bottom 22.0% in under $100M

422

Total Loans

size

Value: $16.80M

Peer Median: $34.25M

#422 of 541 Bottom 22.2% in under $100M

413

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#413 of 541 Bottom 23.8% in under $100M