BlastPoint's Banking Scorecard

Bank of the Flint Hills

$100M-$1B Specialty: Agricultural KS FDIC cert 4791

Wamego, KS

8 branches across KS

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

Bank of the Flint Hills shows strong momentum with 4 strengths and 11.6% YoY asset growth

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

+ ROA 0.27% above tier average
+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 3.64% below tier average
+ Delinquency Rate 0.50% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$523.1M +11.6% YoY +2.8% QoQ	+$137.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$393.8M +8.5% YoY -0.7% QoQ	+$138.1M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$469.9M +17.8% YoY +2.6% QoQ	+$142.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	1.54% +0.8% YoY -2.6% QoQ	+0.27%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	4.01% +0.6% YoY -3.0% QoQ	+0.08%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	58%
Efficiency Ratio ?	61.65% +3.3% YoY +2.7% QoQ	-3.64%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.39% -30.3% YoY -8.8% QoQ	-0.50%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	83.79% -7.8% YoY -3.2% QoQ	+7.16%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	38%
Non-Interest-Bearing Deposit Share ?	19.41% -9.9% YoY -2.0% QoQ	-2.61%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	0.35% -20.3% YoY +3.6% QoQ	-0.29%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	47%
Tier 1 Capital Ratio ?	10.47% +1.0% YoY +1.8% QoQ	-5.36%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.14% +4.2% YoY -73.3% QoQ	-0.14%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	71%

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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 (0)

No matched concern signatures this quarter

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 (2 metrics)

560

Total Loans

size

Value: $393.77M

Peer Median: $255.72M

#560 of 2664 Top 21.0% in $100M-$1B

621

Total Deposits

size

Value: $469.92M

Peer Median: $327.97M

#621 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (1 metrics)

2242

Tier 1 Capital Ratio

capital

Value: 10.47%

Peer Median: 15.83%

#2242 of 2664 Bottom 15.9% in $100M-$1B