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 1.62% above tier average
- + Non-Interest-Bearing Deposit Share 21.46% above tier average
- + Delinquency Rate 1.30% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.47% below tier average
- - Efficiency Ratio 1.75% 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
|
+$816K |
$62.3M
-0.5% YoY
|
$511.5M
+7.3% YoY
|
$6.2B
+9.0% YoY
|
50% |
| Total Loans ? |
$45.0M
+44.8% YoY
+1.6% QoQ
|
+$10.7M |
$34.3M
-1.5% YoY
|
$340.0M
+8.8% YoY
|
$3.2B
+10.7% YoY
|
69% |
| Total Deposits ? |
$55.3M
+16.3% YoY
+9.1% QoQ
|
+$3.4M |
$51.8M
-0.6% YoY
|
$426.3M
+7.3% YoY
|
$4.8B
+8.0% YoY
|
53% |
| Return on Assets ? |
0.39%
-89.1% YoY
-75.3% QoQ
|
-0.47% |
0.86%
-3.6% YoY
|
1.43%
+17.3% YoY
|
1.24%
+13.1% YoY
|
25% |
| Net Interest Margin ? |
5.49%
-5.3% YoY
-9.0% QoQ
|
+1.62% |
3.87%
+2.7% YoY
|
3.93%
+4.6% YoY
|
3.89%
+5.7% YoY
|
Top 5.0% in tier |
| Efficiency Ratio ? |
89.38%
+58.8% YoY
+22.5% QoQ
|
+1.75% |
87.63%
+2.3% YoY
|
61.28%
-4.6% YoY
|
66.84%
-3.8% YoY
|
21% |
| Delinquency Rate ? |
0.06%
-54.5% YoY
-7.9% QoQ
|
-1.30% |
1.36%
+33.7% YoY
|
0.75%
+8.4% YoY
|
0.95%
+18.8% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
81.39%
+24.5% YoY
-6.9% QoQ
|
+17.28% |
64.11%
-0.9% YoY
|
71.71%
+1.1% YoY
|
76.69%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
45.25%
+2.4% YoY
-2.7% QoQ
|
+21.46% |
23.79%
+0.5% YoY
|
22.79%
-1.9% YoY
|
22.01%
-1.1% YoY
|
Top 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-41.9% YoY
-10.9% QoQ
|
-0.73% |
0.77%
+28.7% YoY
|
0.49%
+9.8% YoY
|
0.66%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
11.09%
-10.9% YoY
-6.3% QoQ
|
-15.69% |
26.77%
+2.0% YoY
|
18.00%
-0.6% YoY
|
17.06%
+0.8% YoY
|
Bottom 13.6% in tier |
| Non-Interest Income / Assets ? |
0.12%
-86.7% YoY
-91.6% QoQ
|
-0.55% |
0.67%
+1.6% YoY
|
0.28%
-2.0% YoY
|
0.32%
+4.0% 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.