BlastPoint's Banking Scorecard

The First National Bank of Scott City

$100M-$1B Specialty: Agricultural KS FDIC cert 4769

Scott City, KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The First National Bank of Scott City shows strong momentum with 4 strengths and 7.6% YoY asset growth

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

+ Profitability Leader: Top 43.2% in tier
+ Efficiency Ratio 19.45% below tier average
+ Net Interest Margin 0.61% above tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The First National Bank of Scott City releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$172.9M +7.6% YoY +2.5% QoQ	-$213.2M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$119.4M +10.3% YoY +1.9% QoQ	-$136.3M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	26%
Total Deposits ?	$149.2M +9.3% YoY +2.4% QoQ	-$178.8M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	1.81% +31.0% YoY +32.6% QoQ	+0.54%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	4.54% +7.3% YoY +2.4% QoQ	+0.61%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	45.83% -5.6% YoY -2.6% QoQ	-19.45%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 9.8% in tier
Delinquency Rate ?	0.40% -23.1% YoY -14.6% QoQ	-0.48%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	80.08% +0.9% YoY -0.5% QoQ	+3.44%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	27.64% +12.4% YoY -3.1% QoQ	+5.62%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	75%
Nonperforming Asset Ratio ?	0.28% -21.1% YoY -15.1% QoQ	-0.36%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	14.05% +1.8% YoY +0.7% QoQ	-1.79%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.05% -26.5% YoY -84.7% QoQ	-0.23%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	18%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Profitability Leader

growth

#289 of 666 • Top 43.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.81%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

262

Efficiency Ratio

profitability

Value: 45.83%

Peer Median: 65.29%

#262 of 2664 Top 9.8% in $100M-$1B

445

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.93%

#445 of 2664 Top 16.7% in $100M-$1B

478

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.27%

#478 of 2664 Top 17.9% in $100M-$1B

658

Non-Interest-Bearing Deposit Share

funding

Value: 27.64%

Peer Median: 22.02%

#658 of 2664 Top 24.7% in $100M-$1B

Top Weaknesses (3 metrics)

2177

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2177 of 2664 Bottom 18.3% in $100M-$1B

2130

Total Assets

size

Value: $172.87M

Peer Median: $386.08M

#2130 of 2664 Bottom 20.1% in $100M-$1B

2095

Total Deposits

size

Value: $149.16M

Peer Median: $327.97M

#2095 of 2664 Bottom 21.4% in $100M-$1B