BlastPoint's Banking Scorecard
First National Bank and Trust
Designations: ✓ CDFI-certified
Phillipsburg, KS
6 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 +3.5% year over year ($259.5M on the books).
- Delinquency rate 1.91%.
- Return on assets 1.37%.
- Efficiency ratio 65.39% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank and Trust has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.89% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 37.5% in tier
- - Efficiency Ratio 0.91% above tier average
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$322.2M
+6.8% YoY
+0.9% QoQ
|
-$64.4M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$221.9M
+9.0% YoY
+2.1% QoQ
|
-$36.5M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$259.5M
+3.5% YoY
-2.7% QoQ
|
-$67.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
1.37%
-21.5% YoY
-22.4% QoQ
|
+0.05% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.88%
+8.2% YoY
+1.0% QoQ
|
+0.89% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 10.3% in tier |
| Efficiency Ratio ? |
65.39%
+8.1% YoY
+4.7% QoQ
|
+0.91% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
1.91%
-14.2% YoY
-47.7% QoQ
|
+0.99% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.7% in tier |
| Loan-to-Deposit Ratio ? |
85.50%
+5.3% YoY
+4.9% QoQ
|
+7.55% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
24.88%
-0.8% YoY
-5.2% QoQ
|
+2.85% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
1.31%
-12.4% YoY
-47.1% QoQ
|
+0.64% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 14.8% in tier |
| Tier 1 Capital Ratio ? |
14.73%
+0.0% YoY
+0.6% QoQ
|
-1.18% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.39%
-6.4% YoY
+96.7% QoQ
|
-0.18% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
84% |
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 |
24.9%
-0.2pp YoY -1.4pp QoQ |
+2.7pp | 22.1% | 22.3% | 22.2% | 65% |
| 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 |
10.9%
-2.2pp YoY -0.1pp QoQ |
-0.7pp | 11.6% | 12.6% | 12.5% | 58% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
13.8%
-0.3pp YoY +0.1pp QoQ |
-18.8pp | 32.6% | 26.7% | 31.3% | 17% |
| Consumer |
5.4%
-0.4pp YoY +0.2pp QoQ |
+1.3pp | 4.1% | 4.6% | 5.0% | 80% |
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 |
14.7%
0.0pp YoY +0.1pp QoQ |
+2.6pp | 12.2% | 12.6% | 12.6% | 85% |
| 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 |
58
-2 (-3.3%) YoY 0 QoQ |
-1 | 58 | 70 | 482 | 61% |
| Assets per Employee ($) |
$5.6M
+10.5% YoY +0.9% QoQ |
-$2.0M | $7.5M | $7.1M | $8.8M | 24% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 6 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+1.0pp YoY -1.1pp QoQ |
+0.8pp | 0.3% | 0.4% | 0.4% | 93% |
| Nonaccrual |
0.8%
-1.4pp YoY -0.6pp QoQ |
-0.1pp | 0.9% | 0.8% | 1.0% | 66% |
| Allowance Coverage |
1.10x
+17.5% YoY +90.3% QoQ |
-23.05x | 24.15x | 22.44x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.4%
+0.2pp YoY +0.5pp QoQ |
+0.3pp | 0.1% | 0.1% | 0.2% | 92% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.0%
-3.6pp YoY -3.0pp QoQ |
-2.2pp | 12.2% | 14.3% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.6% | 1.7% | 26% |
| Net Income ($, YTD) |
$2.2M
-16.0% YoY — QoQ |
-$352K | $2.6M | $3.7M | $40.4M | 56% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.