BlastPoint's Banking Scorecard
Southwind Bank
Natoma, KS
2 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 +9.3% year over year ($172.8M on the books).
- Delinquency rate 0.75%.
- Return on assets 1.28%.
- Efficiency ratio 50.13% vs a 64.48% peer average.
- Loan-to-deposit ratio 53.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southwind Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.99% above tier average
- + Efficiency Ratio 14.34% below tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.6M
+7.9% YoY
+2.0% QoQ
|
-$200.0M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$92.2M
+6.9% YoY
+2.5% QoQ
|
-$166.1M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
16% |
| Total Deposits ? |
$172.8M
+9.3% YoY
+3.9% QoQ
|
-$154.0M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.28%
+12.5% YoY
+3.9% QoQ
|
-0.04% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.74%
+6.2% YoY
+1.6% QoQ
|
-0.25% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
39% |
| Efficiency Ratio ? |
50.13%
-8.7% YoY
-2.5% QoQ
|
-14.34% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.75%
-31.7% YoY
-14.6% QoQ
|
-0.17% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
53.37%
-2.2% YoY
-1.4% QoQ
|
-24.58% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.02%
+18.0% YoY
+4.0% QoQ
|
+15.99% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-32.3% YoY
-14.2% QoQ
|
-0.30% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
10.42%
-0.8% YoY
+2.6% QoQ
|
-5.49% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.07%
+0.8% YoY
+71.2% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.9% 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 |
38.0%
+5.8pp YoY +1.5pp QoQ |
+15.9pp | 22.1% | 22.3% | 22.2% | 94% |
| 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 |
9.5%
+0.7pp YoY -0.5pp QoQ |
-2.0pp | 11.6% | 12.6% | 12.5% | 50% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
25.4%
-0.7pp YoY -0.1pp QoQ |
-7.2pp | 32.6% | 26.7% | 31.3% | 41% |
| Consumer |
7.1%
-1.8pp YoY -0.7pp QoQ |
+3.0pp | 4.1% | 4.6% | 5.0% | 86% |
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 |
10.4%
-0.1pp YoY +0.3pp QoQ |
-1.8pp | 12.2% | 12.6% | 12.6% | 39% |
| 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 |
19
0 YoY 0 QoQ |
-40 | 58 | 70 | 482 | 9% |
| Assets per Employee ($) |
$9.8M
+7.9% YoY +2.0% QoQ |
+$2.3M | $7.5M | $7.1M | $8.8M | 85% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.1pp YoY +0.1pp QoQ |
+0.1pp | 0.3% | 0.4% | 0.4% | 78% |
| Nonaccrual |
0.4%
-0.2pp YoY -0.2pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 45% |
| Allowance Coverage |
2.08x
+52.9% YoY +12.0% QoQ |
-22.07x | 24.15x | 22.44x | 20.23x | 49% |
| Net Charge-off Rate (YTD) |
0.3%
+0.3pp YoY +0.3pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.0%
-0.3pp YoY +0.5pp QoQ |
+6.8pp | 12.2% | 14.3% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY -0.1pp QoQ |
-0.6pp | 1.7% | 1.6% | 1.7% | 18% |
| Net Income ($, YTD) |
$1.2M
+20.0% YoY — QoQ |
-$1.4M | $2.6M | $3.7M | $40.4M | 32% |
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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.