BlastPoint's Banking Scorecard
Ventura National Bank & Trust
Designations: ✓ Community bank
Harveyville, KS
Ventura National Bank & Trust has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.12% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 37.30% above tier average
- - Loan-to-Deposit Ratio 35.97% above tier average
- - Non-Interest Income / Assets 0.66% below tier average
- - ROA 1.39% below tier average
- - Net Interest Margin 0.91% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.7M
+37.0% YoY
-30.5% QoQ
|
-$18.4M |
$62.2M
-0.6% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$34.8M
+63.4% YoY
+3.1% QoQ
|
+$551K |
$34.2M
-1.4% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$34.7M
+53.8% YoY
-35.5% QoQ
|
-$17.0M |
$51.7M
-0.7% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
-0.55%
-13.8% QoQ
|
-1.39% |
0.84%
-2.3% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 10.5% in tier |
| Net Interest Margin ? |
2.95%
-36.9% YoY
-21.2% QoQ
|
-0.91% |
3.86%
+2.8% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio ? |
125.65%
+27.3% YoY
+10.4% QoQ
|
+37.30% |
88.34%
+0.3% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate ? |
0.25%
+85.7% YoY
+194.5% QoQ
|
-1.12% |
1.37%
+33.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
100.19%
+6.3% YoY
+59.7% QoQ
|
+35.97% |
64.22%
-0.7% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.87%
-90.9% YoY
+8.3% QoQ
|
-18.85% |
23.71%
+0.3% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.5% in tier |
| Nonperforming Asset Ratio ? |
0.20%
+121.5% YoY
+336.7% QoQ
|
-0.59% |
0.79%
+28.2% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
19.60%
-54.6% YoY
+28.3% QoQ
|
-7.09% |
26.68%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.00%
-83.8% YoY
-94.6% QoQ
|
-0.66% |
0.67%
+1.9% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.1% in tier |
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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.