BlastPoint's Banking Scorecard

The Solomon State Bank

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

Solomon, KS

3 branches across KS

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

+ Return on Assets 0.85% above tier average
+ Delinquency Rate 0.89% below tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio 15.10% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.9% in tier
- Liquidity Overhang: Bottom 23.8% in tier
- Non-Interest Income / Assets 0.27% below tier average

Get updates when The Solomon State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$181.5M +2.0% YoY -0.2% QoQ	-$204.6M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$135.5M -3.9% YoY -0.5% QoQ	-$120.3M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$145.7M +2.3% YoY -0.0% QoQ	-$182.2M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	2.12% +6.2% YoY +2.5% QoQ	+0.85%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	Top 10.0% in tier
Net Interest Margin ?	4.11% +0.8% YoY +1.8% QoQ	+0.18%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	50.19% +7.3% YoY +10.1% QoQ	-15.10%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	92.94% -6.1% YoY -0.5% QoQ	+16.31%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	9.86% -4.7% YoY +2.8% QoQ	-12.16%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 10.5% in tier
Nonperforming Asset Ratio ?	0.07% -34.6% YoY -33.2% QoQ	-0.57%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	74%
Tier 1 Capital Ratio ?	18.81% -3.5% YoY +1.9% QoQ	+2.98%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.01% -15.9% YoY -76.4% QoQ	-0.27%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 2.2% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Strain

risk

#26 of 643 • Bottom 3.9% 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: 92.94%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#177 of 739 • Bottom 23.8% 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: 18.81%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.94%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

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)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

267

Return on Assets

profitability

Value: 2.12%

Peer Median: 1.27%

#267 of 2664 Top 10.0% in $100M-$1B

432

Efficiency Ratio

profitability

Value: 50.19%

Peer Median: 65.29%

#432 of 2664 Top 16.2% in $100M-$1B

436

Tier 1 Capital Ratio

capital

Value: 18.81%

Peer Median: 15.83%

#436 of 2664 Top 16.3% in $100M-$1B

Top Weaknesses (5 metrics)

2607

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.28%

#2607 of 2664 Bottom 2.2% in $100M-$1B

2385

Non-Interest-Bearing Deposit Share

funding

Value: 9.86%

Peer Median: 22.02%

#2385 of 2664 Bottom 10.5% in $100M-$1B

2171

Loan-to-Deposit Ratio

liquidity

Value: 92.94%

Peer Median: 76.64%

#2171 of 2664 Bottom 18.5% in $100M-$1B

2134

Total Deposits

size

Value: $145.74M

Peer Median: $327.97M

#2134 of 2664 Bottom 19.9% in $100M-$1B

2079

Total Assets

size

Value: $181.50M

Peer Median: $386.08M

#2079 of 2664 Bottom 22.0% in $100M-$1B