BlastPoint's Banking Scorecard
The First National Bank of Spearville
Designations: ✓ Community bank
Spearville, 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +14.2% year over year ($53.6M on the books).
- Delinquency rate 4.12%.
- Return on assets 1.39%.
- Efficiency ratio 44.10% vs a 119.40% peer average.
- Loan-to-deposit ratio 58.77% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Spearville has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 75.30% below tier average
- + ROA 0.39% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.64% above tier average
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.1M
+12.6% YoY
+6.3% QoQ
|
-$322K |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$31.5M
+12.0% YoY
+2.5% QoQ
|
-$3.4M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$53.6M
+14.2% YoY
+6.9% QoQ
|
+$2.0M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.39%
+26.1% YoY
-4.1% QoQ
|
+0.39% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
71% |
| Net Interest Margin ? |
3.48%
+9.3% YoY
+1.4% QoQ
|
-0.44% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
28% |
| Efficiency Ratio ? |
44.10%
-11.1% YoY
+4.7% QoQ
|
-75.30% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 4.5% in tier |
| Delinquency Rate ? | 4.12% | +2.64% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 8.1% in tier |
| Loan-to-Deposit Ratio ? |
58.77%
-1.9% YoY
-4.1% QoQ
|
-15.44% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
22.40%
+8.3% YoY
-13.3% QoQ
|
-1.09% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? | 2.09% | +1.26% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.1% in tier |
| Tier 1 Capital Ratio ? |
11.80%
-6.6% YoY
+4.0% QoQ
|
-15.32% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.13%
+16.9% YoY
+23.9% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
51% |
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 |
22.4%
+1.7pp YoY -3.4pp QoQ |
-2.2pp | 24.6% | 22.3% | 22.2% | 44% |
| 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 |
15.4%
-2.9pp YoY 0.0pp QoQ |
+2.0pp | 13.4% | 12.6% | 12.5% | 70% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
0.5%
+0.1pp QoQ |
-34.5pp | 35.0% | 26.7% | 31.3% | 3% |
| Consumer |
7.0%
+0.4pp YoY 0.0pp QoQ |
-0.7pp | 7.7% | 4.6% | 5.0% | 64% |
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 |
11.8%
-0.8pp YoY +0.5pp QoQ |
-5.9pp | 17.7% | 12.6% | 12.6% | 38% |
| 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 |
6
0 YoY 0 QoQ |
-6 | 12 | 70 | 482 | 13% |
| Assets per Employee ($) |
$10.4M
+12.6% YoY +6.3% QoQ |
+$4.2M | $6.2M | $7.1M | $8.8M | 95% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 4.1% | +3.2pp | 1.0% | 0.4% | 0.4% | 96% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
0.38x
-94.1% YoY |
-6.03x | 6.41x | 22.44x | 20.23x | 12% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+2.9pp YoY -1.3pp QoQ |
+5.6pp | 6.4% | 14.3% | 11.6% | 71% |
| Cost of Funds (YTD) |
1.4%
-0.3pp YoY +0.1pp QoQ |
0.0pp | 1.4% | 1.6% | 1.7% | 49% |
| Net Income ($, YTD) |
$479,000
+36.5% YoY — QoQ |
+$161K | $317,817 | $3.7M | $40.4M | 72% |
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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.