BlastPoint

BlastPoint's Banking Scorecard

SJN Bank of Kansas

$100M-$1B Specialty: Agricultural KS FDIC cert 4766

Saint John, KS

8 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 +31.6% year over year ($259.6M on the books).
  • Delinquency rate 7.12%.
  • Return on assets 0.91%.
  • Efficiency ratio 63.99% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.40% 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) →

SJN Bank of Kansas has 2 strengths but faces 4 concerns

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

  • + Net Interest Margin 0.44% above tier average
  • + Efficiency Ratio 0.49% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 18.6% in tier
  • - Cost Spiral: Bottom 71.7% in tier
  • - Delinquency Rate 6.20% above tier average
  • - Nonperforming Asset Ratio 3.68% above tier average
Get updates when SJN Bank of Kansas releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $302.9M
+11.3% YoY +3.6% QoQ
-$83.7M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
46%
Total Loans ? $185.3M
+17.6% YoY +0.8% QoQ
-$73.0M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
45%
Total Deposits ? $259.6M
+31.6% YoY +1.7% QoQ
-$67.2M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
47%
Return on Assets ? 0.91%
-29.5% YoY +114.4% QoQ
-0.41% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
29%
Net Interest Margin ? 4.43%
+14.6% YoY +2.8% QoQ
+0.44% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
76%
Efficiency Ratio ? 63.99%
+15.4% YoY -7.9% QoQ
-0.49% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 7.12%
+970.3% YoY +200.3% QoQ
+6.20% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Bottom 0.8% in tier
Loan-to-Deposit Ratio ? 71.40%
-10.6% YoY -0.9% QoQ
-6.55% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
67%
Non-Interest-Bearing Deposit Share ? 21.02%
+6.1% YoY -8.0% QoQ
-1.01% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 4.35%
+192.2% QoQ
+3.68% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Bottom 1.5% in tier
Tier 1 Capital Ratio ? 12.22%
-12.8% YoY -0.8% QoQ
-3.69% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
38%
Non-Interest Income / Assets ? 0.07%
-7.5% YoY +87.0% QoQ
-0.50% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Bottom 10.1% in tier

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 21.0%
+1.2pp YoY
-1.8pp QoQ
 -1.1pp 22.1% 22.3% 22.2% 50%
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 29.3%
-2.4pp YoY
+2.2pp QoQ
 +17.7pp 11.6% 12.6% 12.5% 96%
CRE n/a n/a 39.5% 28.8% 41.4% n/a
1-4 Family 12.4%
+5.2pp YoY
-0.2pp QoQ
 -20.2pp 32.6% 26.7% 31.3% 14%
Consumer 1.8%
+0.3pp YoY
0.0pp QoQ
 -2.3pp 4.1% 4.6% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
CET1 Ratio 12.2%
-1.8pp YoY
-0.1pp QoQ
 -6.6pp 18.8% 23.3% 19.7% 19%
Leverage Ratio 9.2%
-0.5pp YoY
+0.5pp QoQ
 -2.9pp 12.2% 12.6% 12.6% 16%
Total Capital Ratio 13.5%
-1.8pp YoY
-0.1pp QoQ
 -6.5pp 19.9% 24.4% 20.8% 22%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Full-Time Employees 43
+9 (+26.5%) YoY
+2 (+4.9%) QoQ
 -16 58 70 482 45%
Assets per Employee ($) $7.0M
-12.0% YoY
-1.2% QoQ
 -$474K $7.5M $7.1M $8.8M 53%
Branch Count 8
+2 (+33.3%) YoY
0 QoQ
 +3 4 6 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 4.8%
+4.7pp YoY
 +4.4pp 0.3% 0.4% 0.4% 100%
Nonaccrual 2.4%
+1.8pp YoY
0.0pp QoQ
 +1.4pp 0.9% 0.8% 1.0% 90%
Allowance Coverage 0.30x
-90.6% YoY
-68.5% QoQ
 -23.85x 24.15x 22.44x 20.23x 4%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
+0.2pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 10.3%
-4.9pp YoY
+5.4pp QoQ
 -1.9pp 12.2% 14.3% 11.6% 39%
Cost of Funds (YTD) 1.5%
-0.5pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.6% 1.7% 37%
Net Income ($, YTD) $1.4M
-21.4% YoY
— QoQ
 -$1.2M $2.6M $3.7M $40.4M 38%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Margin Compression

decline
#58 of 307 • Bottom 18.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.91%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

Cost Spiral

risk
#100 of 138 • Bottom 71.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 63.99%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

623
Net Interest Margin
profitability
Value: 4.43%
Peer Median: 3.99%
#623 of 2643 Top 23.5% in $100M-$1B

Top Weaknesses (3 metrics)

2614
Delinquency Rate
credit_quality
Value: 7.12%
Peer Median: 0.92%
#2614 of 2633 Bottom 0.8% in $100M-$1B
2605
Nonperforming Asset Ratio
credit_quality
Value: 4.35%
Peer Median: 0.67%
#2605 of 2643 Bottom 1.5% in $100M-$1B
2378
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2378 of 2643 Bottom 10.1% in $100M-$1B
Powered by BlastPoint © 2026