BlastPoint's Banking Scorecard

The Solomon State Bank

$100M-$1B Specialty: Mortgage KS FDIC cert 4773

Solomon, KS

3 branches across 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 +5.6% year over year ($146.8M on the books).
Delinquency rate 0.00%.
Return on assets 2.25%.
Efficiency ratio 45.27% vs a 64.48% peer average.
Loan-to-deposit ratio 91.78% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

The Solomon State Bank has 4 strengths but faces 3 concerns

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 34.6% in tier
+ Credit Quality Leader: Top 46.7% in tier
+ Efficiency Ratio 19.21% below tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.5% in tier
- Liquidity Overhang: Bottom 25.6% in tier
- Non-Interest Income / Assets 0.53% below tier average

Get updates when The Solomon State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$182.6M +4.5% YoY +0.6% QoQ	-$203.9M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	22%
Total Loans ?	$134.8M -2.0% YoY -0.5% QoQ	-$123.6M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$146.8M +5.6% YoY +0.7% QoQ	-$179.9M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	21%
Return on Assets ?	2.25% +10.0% YoY +6.5% QoQ	+0.93%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	Top 7.9% in tier
Net Interest Margin ?	4.17% +2.8% YoY +1.4% QoQ	+0.18%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	45.27% -1.1% YoY -9.8% QoQ	-19.21%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 9.4% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.78% -7.2% YoY -1.3% QoQ	+13.83%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	9.94% +5.8% YoY +0.8% QoQ	-12.09%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	Bottom 10.4% in tier
Nonperforming Asset Ratio ?	0.03% -58.3% YoY -63.9% QoQ	-0.64%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	19.05% -1.9% YoY +1.2% QoQ	+3.14%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.03% +11.0% YoY +140.2% QoQ	-0.53%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Bottom 2.9% in tier

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	9.9% +0.5pp YoY +0.1pp QoQ	-12.2pp	22.1%	22.3%	22.2%	10%
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	4.3% +0.2pp YoY +0.1pp QoQ	-7.2pp	11.6%	12.6%	12.5%	16%
CRE	16.8% -2.2pp YoY -1.3pp QoQ	-22.8pp	39.5%	28.8%	41.4%	13%
1-4 Family	67.8% +1.4pp YoY +1.0pp QoQ	+35.2pp	32.6%	26.7%	31.3%	93%
Consumer	3.3% -0.1pp YoY 0.0pp QoQ	-0.8pp	4.1%	4.6%	5.0%	63%

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	19.0% -0.4pp YoY +0.2pp QoQ	+6.9pp	12.2%	12.6%	12.6%	96%
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	19 +1 (+5.6%) YoY 0 QoQ	-40	58	70	482	9%
Assets per Employee ($)	$9.6M -1.0% YoY +0.6% QoQ	+$2.1M	$7.5M	$7.1M	$8.8M	84%
Branch Count	3 0 YoY 0 QoQ	-2	4	6	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	22.44x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% +0.4pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	7%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	12.1% +1.5pp YoY +0.7pp QoQ	-0.1pp	12.2%	14.3%	11.6%	50%
Cost of Funds (YTD)	2.1% -0.1pp YoY -0.1pp QoQ	+0.4pp	1.7%	1.6%	1.7%	77%
Net Income ($, YTD)	$2.0M +14.4% YoY — QoQ	-$505K	$2.6M	$3.7M	$40.4M	53%

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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 (2)

Profitability Leader

growth

#230 of 661 • Top 34.6% in tier

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

Why this signature

Return on Assets: 2.25%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#309 of 659 • Top 46.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#32 of 691 • Bottom 4.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#191 of 742 • Bottom 25.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.05%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 91.78%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

209

Return on Assets

profitability

Value: 2.25%

Peer Median: 1.32%

#209 of 2643 Top 7.9% in $100M-$1B

250

Efficiency Ratio

profitability

Value: 45.27%

Peer Median: 64.48%

#250 of 2643 Top 9.4% in $100M-$1B

419

Tier 1 Capital Ratio

capital

Value: 19.05%

Peer Median: 15.91%

#419 of 2643 Top 15.8% in $100M-$1B

460

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#460 of 2643 Top 17.4% in $100M-$1B

Top Weaknesses (5 metrics)

2567

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.57%

#2567 of 2643 Bottom 2.9% in $100M-$1B

2368

Non-Interest-Bearing Deposit Share

funding

Value: 9.94%

Peer Median: 22.03%

#2368 of 2643 Bottom 10.4% in $100M-$1B

2098

Total Deposits

size

Value: $146.82M

Peer Median: $326.73M

#2098 of 2643 Bottom 20.7% in $100M-$1B

2060

Total Assets

size

Value: $182.64M

Peer Median: $386.57M

#2060 of 2643 Bottom 22.1% in $100M-$1B

2046

Loan-to-Deposit Ratio

liquidity

Value: 91.78%

Peer Median: 77.95%

#2046 of 2643 Bottom 22.6% in $100M-$1B