BlastPoint's Banking Scorecard
Elevate Bank, National Association
Designations: ✓ Community bank
Sedan, KS
2 branches across KS · OK
Elevate Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.63% above tier average
- + Non-Interest-Bearing Deposit Share 21.54% above tier average
- + Delinquency Rate 1.31% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency Ratio 1.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.1M
+13.4% YoY
+5.0% QoQ
|
+$938K |
$62.2M
-0.6% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$45.0M
+44.8% YoY
+1.6% QoQ
|
+$10.7M |
$34.2M
-1.4% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$55.3M
+16.3% YoY
+9.1% QoQ
|
+$3.5M |
$51.7M
-0.7% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
53% |
| Return on Assets ? |
0.39%
-89.1% YoY
-75.3% QoQ
|
-0.45% |
0.84%
-2.3% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
5.49%
-5.3% YoY
-9.0% QoQ
|
+1.63% |
3.86%
+2.8% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
Top 5.0% in tier |
| Efficiency Ratio ? |
89.38%
+58.8% YoY
+22.5% QoQ
|
+1.03% |
88.34%
+0.3% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.06%
-54.5% YoY
-7.9% QoQ
|
-1.31% |
1.37%
+33.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
81.39%
+24.5% YoY
-6.9% QoQ
|
+17.18% |
64.22%
-0.7% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
45.25%
+2.4% YoY
-2.7% QoQ
|
+21.54% |
23.71%
+0.3% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Top 5.7% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-41.9% YoY
-10.9% QoQ
|
-0.74% |
0.79%
+28.2% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
11.09%
-10.9% YoY
-6.3% QoQ
|
-15.60% |
26.68%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.7% in tier |
| Non-Interest Income / Assets ? |
0.12%
-86.7% YoY
-91.6% QoQ
|
-0.55% |
0.67%
+1.9% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
77% |
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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.