BlastPoint's Banking Scorecard

The First National Bank of Louisburg

$100M-$1B Specialty: Other KS FDIC cert 4722

Louisburg, KS

3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
Deposits +17.1% year over year ($171.5M on the books).
Delinquency rate 0.00%.
Return on assets 1.84%.
Efficiency ratio 51.70% vs a 64.48% peer average.
Loan-to-deposit ratio 74.22% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The First National Bank of Louisburg has 5 strengths but faces 1 concern

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

+ Profitability Leader: Top 17.8% in tier
+ Delinquency Rate 0.92% below tier average
+ Non-Interest-Bearing Deposit Share 14.24% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 12.78% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.14% below tier average

Get updates when The First National Bank of Louisburg releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$201.3M +12.2% YoY +2.9% QoQ	-$185.3M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$127.3M +18.8% YoY +6.0% QoQ	-$131.1M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	28%
Total Deposits ?	$171.5M +17.1% YoY +5.1% QoQ	-$155.2M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	1.84% +59.3% YoY +7.4% QoQ	+0.52%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	3.85% +27.2% YoY +4.7% QoQ	-0.14%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	51.70% -18.9% YoY -5.4% QoQ	-12.78%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	80%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	74.22% +1.5% YoY +0.9% QoQ	-3.73%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	62%
Non-Interest-Bearing Deposit Share ?	36.27% -7.0% YoY -5.0% QoQ	+14.24%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Top 8.2% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.88% -0.2% YoY -2.6% QoQ	-5.03%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.20% -1.9% YoY +93.0% QoQ	-0.36%	0.57% +7.6% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	36.3% -2.7pp YoY -1.9pp QoQ	+14.1pp	22.1%	22.3%	22.2%	92%
Brokered Deposits	n/a	n/a	7.9%	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	7.8% +4.2pp YoY +0.6pp QoQ	-3.7pp	11.6%	12.6%	12.5%	39%
CRE	24.5% +4.9pp YoY +2.3pp QoQ	-15.0pp	39.5%	28.8%	41.4%	26%
1-4 Family	61.2% -7.1pp YoY -2.7pp QoQ	+28.6pp	32.6%	26.7%	31.3%	91%
Consumer	2.7% -0.6pp YoY -0.6pp QoQ	-1.5pp	4.1%	4.6%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	10.9% 0.0pp YoY -0.3pp QoQ	-1.3pp	12.2%	12.6%	12.6%	48%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	33 +4 (+13.8%) YoY +3 (+10.0%) QoQ	-26	58	70	482	31%
Assets per Employee ($)	$6.1M -1.4% YoY -6.5% QoQ	-$1.4M	$7.5M	$7.1M	$8.8M	35%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	18.4% +5.7pp YoY +1.4pp QoQ	+6.2pp	12.2%	14.3%	11.6%	83%
Cost of Funds (YTD)	1.1% -0.2pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.6%	1.7%	16%
Net Income ($, YTD)	$1.8M +73.0% YoY — QoQ	-$771K	$2.6M	$3.7M	$40.4M	48%

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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 (1)

Profitability Leader

growth

#119 of 661 • Top 17.8% in tier

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

Why this signature

Return on Assets: 1.84%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

217

Non-Interest-Bearing Deposit Share

funding

Value: 36.27%

Peer Median: 22.03%

#217 of 2643 Top 8.2% in $100M-$1B

490

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.32%

#490 of 2643 Top 18.5% in $100M-$1B

537

Efficiency Ratio

profitability

Value: 51.70%

Peer Median: 64.48%

#537 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (1 metrics)

2070

Tier 1 Capital Ratio

capital

Value: 10.88%

Peer Median: 15.91%

#2070 of 2643 Bottom 21.7% in $100M-$1B