BlastPoint's Banking Scorecard
First National Bank and Trust
Designations: ✓ CDFI-certified
Phillipsburg, KS
6 branches across KS
First National Bank and Trust has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 44.3% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 0.90% above tier average
- + Efficiency Ratio 2.80% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.76% above tier average
- - Nonperforming Asset Ratio 1.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$319.3M
+6.3% YoY
-1.4% QoQ
|
-$66.7M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$217.3M
+9.6% YoY
+0.4% QoQ
|
-$38.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$266.7M
+5.4% YoY
-2.0% QoQ
|
-$61.3M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.77%
-8.1% YoY
+19.8% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.83%
+6.6% YoY
+4.6% QoQ
|
+0.90% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Top 10.4% in tier |
| Efficiency Ratio ? |
62.49%
+6.8% YoY
+0.1% QoQ
|
-2.80% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
52% |
| Delinquency Rate ? |
3.65%
+39.3% YoY
+38.0% QoQ
|
+2.76% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.0% in tier |
| Loan-to-Deposit Ratio ? |
81.50%
+3.9% YoY
+2.4% QoQ
|
+4.86% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
26.24%
+3.5% YoY
-5.9% QoQ
|
+4.22% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.48%
+43.7% YoY
+40.5% QoQ
|
+1.84% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.5% in tier |
| Tier 1 Capital Ratio ? |
14.65%
+0.9% YoY
-0.5% QoQ
|
-1.18% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.20%
-3.6% YoY
-74.9% QoQ
|
-0.08% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Top 14.4% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.