BlastPoint's Banking Scorecard
First National Bank in Frankfort
Designations: ✓ Community bank
Frankfort, KS
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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits -0.6% year over year ($55.4M on the books).
- Delinquency rate 0.53%.
- Return on assets 0.74%.
- Efficiency ratio 77.40% vs a 119.40% peer average.
- Loan-to-deposit ratio 55.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank in Frankfort has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 41.99% below tier average
- + Delinquency Rate 0.95% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.40% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.6M
+4.2% YoY
-0.2% QoQ
|
-$873K |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$30.7M
+4.7% YoY
+2.4% QoQ
|
-$4.2M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
46% |
| Total Deposits ? |
$55.4M
-0.6% YoY
-3.8% QoQ
|
+$3.8M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
0.74%
+23.5% YoY
-6.9% QoQ
|
-0.26% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
3.52%
+11.8% YoY
-1.2% QoQ
|
-0.40% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
77.40%
-5.6% YoY
-0.2% QoQ
|
-41.99% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.53%
-30.2% YoY
-10.6% QoQ
|
-0.95% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
55.40%
+5.3% YoY
+6.4% QoQ
|
-18.81% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
22.91%
-8.9% YoY
-9.1% QoQ
|
-0.58% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.26%
-29.9% YoY
-8.2% QoQ
|
-0.57% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
10.76%
-2.0% YoY
+1.7% QoQ
|
-16.37% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.2% in tier |
| Non-Interest Income / Assets ? |
0.13%
-5.3% YoY
+92.9% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
50% |
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 |
22.9%
-2.2pp YoY -2.3pp QoQ |
-1.7pp | 24.6% | 22.3% | 22.2% | 45% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
6.4%
-2.6pp YoY +0.4pp QoQ |
-7.0pp | 13.4% | 12.6% | 12.5% | 30% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
33.6%
+2.9pp YoY +0.7pp QoQ |
-1.4pp | 35.0% | 26.7% | 31.3% | 55% |
| Consumer |
6.2%
-0.5pp YoY -0.2pp QoQ |
-1.4pp | 7.7% | 4.6% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
10.8%
-0.2pp YoY +0.2pp QoQ |
-6.9pp | 17.7% | 12.6% | 12.6% | 27% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
-1 (-11.1%) YoY 0 QoQ |
-4 | 12 | 70 | 482 | 29% |
| Assets per Employee ($) |
$7.7M
+17.3% YoY -0.2% QoQ |
+$1.5M | $6.2M | $7.1M | $8.8M | 76% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.2pp YoY -0.1pp QoQ |
-1.2pp | 1.7% | 0.8% | 1.0% | 43% |
| Allowance Coverage |
2.77x
+46.2% YoY +9.7% QoQ |
-3.64x | 6.41x | 22.44x | 20.23x | 69% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
-0.8pp YoY -1.0pp QoQ |
+5.6pp | 6.4% | 14.3% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.6% | 1.7% | 64% |
| Net Income ($, YTD) |
$227,000
+28.2% YoY — QoQ |
-$91K | $317,817 | $3.7M | $40.4M | 41% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.