BlastPoint's Banking Scorecard

Armed Forces Bank, National Association

$1B-$10B Specialty: Commercial KS FDIC cert 4666

Fort Leavenworth, KS

15 branches across KS · AZ · CO · WA · IL · KY · MO · NV · TX · VA

884 banks in the $1B-$10B peer group nationally 20 in KS

Armed Forces Bank, National Association has 4 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

+ Revenue Diversifier: Top 15.8% in tier
+ Profitability Leader: Top 42.1% in tier
+ Loan-to-Deposit Ratio 22.07% below tier average
+ Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 3.91% above tier average
- Delinquency Rate 0.21% above tier average

Get updates when Armed Forces Bank, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$1.4B +1.5% YoY +1.0% QoQ	-$1.4B	$2.8B -0.1% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$768.7M -0.7% YoY -3.4% QoQ	-$1.2B	$2.0B +0.6% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 11.7% in tier
Total Deposits ?	$1.2B +1.7% YoY +1.0% QoQ	-$1.1B	$2.3B -0.3% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	1.74% +32.8% YoY +18.5% QoQ	+0.37%	1.37% +19.6% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.09% +4.8% YoY +0.7% QoQ	+0.27%	3.82% +6.9% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	64.97% -7.6% YoY -4.0% QoQ	+3.91%	61.06% -4.6% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	34%
Delinquency Rate ?	1.10% +674.6% QoQ	+0.21%	0.89% +14.1% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	24%
Loan-to-Deposit Ratio ?	62.13% -2.3% YoY -4.3% QoQ	-22.07%	84.20% +0.3% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	Top 9.4% in tier
Non-Interest-Bearing Deposit Share ?	30.05% +3.6% YoY +3.2% QoQ	+8.77%	21.29% -2.5% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.59% +640.8% QoQ	-0.09%	0.67% +15.6% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	23.04% -3.7% YoY +2.7% QoQ	+7.88%	15.16% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Top 5.3% in tier
Non-Interest Income / Assets ?	0.84% +8.7% YoY -73.8% QoQ	+0.59%	0.26% +1.6% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Top 3.6% in tier

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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)

Revenue Diversifier

growth

#36 of 221 • Top 15.8% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.84%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.74%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#94 of 221 • Top 42.1% in tier

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

Why this signature

Return on Assets: 1.74%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.84%

Peer Median: 0.26%

#33 of 884 Top 3.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 23.04%

Peer Median: 15.16%

#48 of 884 Top 5.3% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 62.13%

Peer Median: 84.20%

#84 of 884 Top 9.4% in $1B-$10B

143

Non-Interest-Bearing Deposit Share

funding

Value: 30.05%

Peer Median: 21.29%

#143 of 884 Top 16.1% in $1B-$10B

166

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.37%

#166 of 884 Top 18.7% in $1B-$10B

219

Net Interest Margin

profitability

Value: 4.09%

Peer Median: 3.82%

#219 of 884 Top 24.7% in $1B-$10B

Top Weaknesses (2 metrics)

782

Total Loans

size

Value: $768.66M

Peer Median: $1.96B

#782 of 884 Bottom 11.7% in $1B-$10B

671

Delinquency Rate

credit_quality

Value: 1.10%

Peer Median: 0.89%

#671 of 880 Bottom 23.9% in $1B-$10B