BlastPoint's Banking Scorecard
The First National Bank of Scott City
Scott City, 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 -2.1% year over year ($140.4M on the books).
- Delinquency rate 0.33%.
- Return on assets 1.67%.
- Efficiency ratio 48.20% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Scott City has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.35% above tier average
- + Net Interest Margin 0.56% above tier average
- + Efficiency Ratio 16.28% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 44.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$173.8M
+4.6% YoY
+0.5% QoQ
|
-$212.8M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$126.8M
+11.1% YoY
+6.2% QoQ
|
-$131.5M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$140.4M
-2.1% YoY
-5.9% QoQ
|
-$186.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.67%
+17.8% YoY
-7.8% QoQ
|
+0.35% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
74% |
| Net Interest Margin ? |
4.54%
+5.1% YoY
-0.0% QoQ
|
+0.56% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
48.20%
+1.0% YoY
+5.2% QoQ
|
-16.28% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 13.4% in tier |
| Delinquency Rate ? |
0.33%
-34.1% YoY
-18.3% QoQ
|
-0.59% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
90.31%
+13.5% YoY
+12.8% QoQ
|
+12.36% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
26.97%
+13.6% YoY
-2.4% QoQ
|
+4.94% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.24%
-30.0% YoY
-13.7% QoQ
|
-0.43% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
14.48%
+5.5% YoY
+3.1% QoQ
|
-1.43% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.12%
-12.9% YoY
+146.9% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
25% |
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 |
27.0%
+3.2pp YoY -0.7pp QoQ |
+4.8pp | 22.1% | 22.3% | 22.2% | 73% |
| 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 |
14.3%
-1.5pp YoY -0.5pp QoQ |
+2.8pp | 11.6% | 12.6% | 12.5% | 74% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
9.2%
+0.8pp YoY +0.4pp QoQ |
-23.4pp | 32.6% | 26.7% | 31.3% | 10% |
| Consumer |
8.7%
-1.0pp YoY -0.4pp QoQ |
+4.6pp | 4.1% | 4.6% | 5.0% | 90% |
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 |
14.5%
+0.7pp YoY +0.4pp QoQ |
+2.3pp | 12.2% | 12.6% | 12.6% | 84% |
| 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 |
23
0 YoY +2 (+9.5%) QoQ |
-36 | 58 | 70 | 482 | 15% |
| Assets per Employee ($) |
$7.6M
+4.6% YoY -8.2% QoQ |
+$37K | $7.5M | $7.1M | $8.8M | 62% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 68% |
| Nonaccrual |
0.1%
-0.2pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 20% |
| Allowance Coverage |
3.54x
+51.2% YoY +15.0% QoQ |
-20.62x | 24.15x | 22.44x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY +0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+1.0pp YoY -1.2pp QoQ |
+0.9pp | 12.2% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.6% | 1.7% | 33% |
| Net Income ($, YTD) |
$1.4M
+24.6% YoY — QoQ |
-$1.1M | $2.6M | $3.7M | $40.4M | 40% |
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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)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.