BlastPoint's Banking Scorecard
SJN Bank of Kansas
Saint John, KS
8 branches across KS
SJN Bank of Kansas has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.38% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.48% above tier average
- - ROA 0.84% below tier average
- - Efficiency Ratio 4.16% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$292.5M
+9.0% YoY
-7.1% QoQ
|
-$93.6M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$183.9M
+18.8% YoY
-8.0% QoQ
|
-$71.8M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$255.2M
+25.9% YoY
-2.0% QoQ
|
-$72.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
46% |
| Return on Assets ? |
0.43%
-64.3% YoY
-57.7% QoQ
|
-0.84% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 11.3% in tier |
| Net Interest Margin ? |
4.31%
+16.6% YoY
+5.5% QoQ
|
+0.38% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
69.45%
+21.3% YoY
+13.8% QoQ
|
+4.16% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
2.37%
+103.9% YoY
+8.5% QoQ
|
+1.48% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.2% in tier |
| Loan-to-Deposit Ratio ? |
72.06%
-5.7% YoY
-6.1% QoQ
|
-4.58% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
22.84%
+12.6% YoY
-2.7% QoQ
|
+0.82% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.49%
+122.3% YoY
+7.6% QoQ
|
+0.85% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.6% in tier |
| Tier 1 Capital Ratio ? |
12.32%
-9.9% YoY
+8.0% QoQ
|
-3.51% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.04%
+10.9% YoY
-74.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.1% 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.