BlastPoint's Banking Scorecard
Southwind Bank
Natoma, KS
2 branches across KS
Southwind Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.54% above tier average
- + Efficiency Ratio 13.88% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.9M
+7.9% YoY
+1.8% QoQ
|
-$203.2M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$90.0M
+7.3% YoY
+2.5% QoQ
|
-$165.7M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$166.3M
+6.7% YoY
-0.3% QoQ
|
-$161.7M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.24%
+13.0% YoY
+11.1% QoQ
|
-0.03% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.68%
+5.8% YoY
+1.4% QoQ
|
-0.25% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
51.41%
-7.5% YoY
-9.7% QoQ
|
-13.88% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.88%
-41.1% YoY
-5.0% QoQ
|
-0.01% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
54.12%
+0.6% YoY
+2.7% QoQ
|
-22.52% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 12.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.56%
+15.8% YoY
+19.6% QoQ
|
+14.54% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 8.0% in tier |
| Nonperforming Asset Ratio ? |
0.43%
-41.4% YoY
-4.4% QoQ
|
-0.20% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
10.15%
-2.6% YoY
+4.7% QoQ
|
-5.68% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.4% in tier |
| Non-Interest Income / Assets ? |
0.04%
+64.5% YoY
-68.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.9% 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.