BlastPoint's Banking Scorecard
Elevate Bank, National Association
Designations: ✓ Community bank
Sedan, KS
2 branches across KS · OK
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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +11.2% year over year ($53.0M on the books).
- Delinquency rate 0.69%.
- Return on assets 0.64%.
- Efficiency ratio 85.73% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Elevate Bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.61% above tier average
- + Efficiency Ratio 33.67% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.0M
+9.5% YoY
-3.3% QoQ
|
-$1.5M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$43.5M
+31.2% YoY
-3.3% QoQ
|
+$8.6M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$53.0M
+11.2% YoY
-4.1% QoQ
|
+$1.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
50% |
| Return on Assets ? |
0.64%
-69.7% YoY
+63.0% QoQ
|
-0.36% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
5.52%
-7.0% YoY
+0.6% QoQ
|
+1.61% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 4.9% in tier |
| Efficiency Ratio ? |
85.73%
+26.0% YoY
-4.1% QoQ
|
-33.67% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.69%
+973.9% QoQ
|
-0.79% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
82.00%
+17.9% YoY
+0.7% QoQ
|
+7.79% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
37.25%
-18.1% YoY
-17.7% QoQ
|
+13.76% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 11.0% in tier |
| Nonperforming Asset Ratio ? |
0.49%
+973.8% QoQ
|
-0.34% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
11.17%
-10.9% YoY
+0.8% QoQ
|
-15.95% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.6% in tier |
| Non-Interest Income / Assets ? |
0.37%
-61.9% YoY
+209.0% QoQ
|
-1.01% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Top 12.9% in tier |
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 |
37.2%
-8.2pp YoY -8.0pp QoQ |
+12.6pp | 24.6% | 22.3% | 22.2% | 88% |
| Brokered Deposits | n/a | n/a | 9.8% | 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%
+3.3pp YoY +6.3pp QoQ |
+0.9pp | 13.4% | 12.6% | 12.5% | 66% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
10.3%
-2.7pp YoY +0.4pp QoQ |
-24.6pp | 35.0% | 26.7% | 31.3% | 22% |
| Consumer |
1.9%
-1.0pp YoY -0.2pp QoQ |
-5.7pp | 7.7% | 4.6% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
11.2%
-1.4pp YoY +0.1pp QoQ |
-6.5pp | 17.7% | 12.6% | 12.6% | 31% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
+1 (+5.3%) YoY 0 QoQ |
+8 | 12 | 70 | 482 | 88% |
| Assets per Employee ($) |
$3.0M
+4.0% YoY -3.3% QoQ |
-$3.1M | $6.2M | $7.1M | $8.8M | 8% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 6 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.7pp YoY +0.6pp QoQ |
-0.3pp | 1.0% | 0.4% | 0.4% | 62% |
| Nonaccrual | 0.0% | -1.7pp | 1.7% | 0.8% | 1.0% | 1% |
| Allowance Coverage |
1.46x
-96.9% YoY -90.7% QoQ |
-4.96x | 6.41x | 22.44x | 20.23x | 52% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 71% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
-10.3pp YoY +2.0pp QoQ |
-1.3pp | 6.4% | 14.3% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.2%
+0.5pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.6% | 1.7% | 39% |
| Net Income ($, YTD) |
$195,000
-66.4% YoY — QoQ |
-$123K | $317,817 | $3.7M | $40.4M | 36% |
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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.