BlastPoint's Banking Scorecard
Ventura National Bank & Trust
Designations: ✓ Community bank
Harveyville, 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 +17.6% year over year ($32.8M on the books).
- Delinquency rate 0.09%.
- Return on assets -0.46%.
- Efficiency ratio 122.02% vs a 119.40% peer average.
- Loan-to-deposit ratio 111.13% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ventura National Bank & Trust has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.39% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.46% below tier average
- - Efficiency Ratio 2.63% above tier average
- - Loan-to-Deposit Ratio 36.92% above tier average
- - Non-Interest-Bearing Deposit Share 19.33% below tier average
- - Non-Interest Income / Assets 1.37% below tier average
- - Net Interest Margin 0.69% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.7M
+12.4% YoY
-4.6% QoQ
|
-$20.7M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$36.4M
+44.8% YoY
+4.6% QoQ
|
+$1.5M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$32.8M
+17.6% YoY
-5.7% QoQ
|
-$18.9M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
-0.46%
-4.1% YoY
+16.9% QoQ
|
-1.46% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.3% in tier |
| Net Interest Margin ? |
3.23%
-28.5% YoY
+9.5% QoQ
|
-0.69% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
122.02%
+14.0% YoY
-2.9% QoQ
|
+2.63% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate ? |
0.09%
-64.2% QoQ
|
-1.39% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
111.13%
+23.2% YoY
+10.9% QoQ
|
+36.92% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.16%
-85.1% YoY
-14.6% QoQ
|
-19.33% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-60.7% QoQ
|
-0.76% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
17.95%
-48.5% YoY
-8.4% QoQ
|
-9.18% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.01%
-88.9% YoY
+57.3% QoQ
|
-1.37% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.2% in tier |
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 |
4.2%
-23.8pp YoY -0.7pp QoQ |
-20.5pp | 24.6% | 22.3% | 22.2% | 5% |
| Brokered Deposits | 1.5% | -8.3pp | 9.8% | 8.7% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
43.3%
-14.9pp YoY -4.2pp QoQ |
+29.9pp | 13.4% | 12.6% | 12.5% | 98% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
16.6%
-11.6pp YoY -2.5pp QoQ |
-18.4pp | 35.0% | 26.7% | 31.3% | 32% |
| Consumer |
0.8%
-1.7pp YoY -0.1pp QoQ |
-6.9pp | 7.7% | 4.6% | 5.0% | 9% |
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 |
17.9%
-8.8pp YoY -1.7pp QoQ |
+0.3pp | 17.7% | 12.6% | 12.6% | 80% |
| 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 |
10
-4 (-28.6%) YoY 0 QoQ |
-2 | 12 | 70 | 482 | 43% |
| Assets per Employee ($) |
$4.2M
+57.4% YoY -4.6% QoQ |
-$2.0M | $6.2M | $7.1M | $8.8M | 23% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 25% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
7.67x
+148.0% QoQ |
+1.26x | 6.41x | 22.44x | 20.23x | 86% |
| Net Charge-off Rate (YTD) |
0.1%
+0.2pp YoY -0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-2.6%
-0.9pp YoY +0.8pp QoQ |
-9.0pp | 6.4% | 14.3% | 11.6% | 9% |
| Cost of Funds (YTD) |
2.6%
+0.8pp YoY +0.3pp QoQ |
+1.1pp | 1.4% | 1.6% | 1.7% | 93% |
| Net Income ($, YTD) |
$-114000.0
-48.1% YoY — QoQ |
-$432K | $317,817 | $3.7M | $40.4M | 9% |
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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.