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 1.11% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 38.02% above tier average
- - Loan-to-Deposit Ratio 36.08% above tier average
- - Non-Interest Income / Assets 0.67% below tier average
- - ROA 1.41% below tier average
- - Net Interest Margin 0.92% 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
|
-$18.5M |
$62.3M
-0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
25% |
| Total Loans ? |
$34.8M
+63.4% YoY
+3.1% QoQ
|
+$507K |
$34.3M
-1.5% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
54% |
| Total Deposits ? |
$34.7M
+53.8% YoY
-35.5% QoQ
|
-$17.1M |
$51.8M
-0.6% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
24% |
| Return on Assets ? |
-0.55%
-13.8% QoQ
|
-1.41% |
0.86%
-3.6% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
Bottom 10.2% in tier |
| Net Interest Margin ? |
2.95%
-36.9% YoY
-21.2% QoQ
|
-0.92% |
3.87%
+2.7% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.5% in tier |
| Efficiency Ratio ? |
125.65%
+27.3% YoY
+10.4% QoQ
|
+38.02% |
87.63%
+2.3% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate ? |
0.25%
+85.7% YoY
+194.5% QoQ
|
-1.11% |
1.36%
+33.7% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
100.19%
+6.3% YoY
+59.7% QoQ
|
+36.08% |
64.11%
-0.9% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
Bottom 6.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.87%
-90.9% YoY
+8.3% QoQ
|
-18.92% |
23.79%
+0.5% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
Bottom 10.2% in tier |
| Nonperforming Asset Ratio ? |
0.20%
+121.5% YoY
+336.7% QoQ
|
-0.57% |
0.77%
+28.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
19.60%
-54.6% YoY
+28.3% QoQ
|
-7.17% |
26.77%
+2.0% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.00%
-83.8% YoY
-94.6% QoQ
|
-0.67% |
0.67%
+1.6% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% YoY
|
Bottom 3.2% in tier |
Get Full Access to Ventura National Bank & Trust
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.