BlastPoint's Banking Scorecard
Bank of the Flint Hills
Wamego, KS
8 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 +11.2% year over year ($473.0M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.56%.
- Efficiency ratio 61.14% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.23% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of the Flint Hills shows strong momentum with 4 strengths and 14.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 3.34% below tier average
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$544.5M
+14.0% YoY
+4.1% QoQ
|
+$157.9M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$426.8M
+13.8% YoY
+8.4% QoQ
|
+$168.4M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$473.0M
+11.2% YoY
+0.6% QoQ
|
+$146.2M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
77% |
| Return on Assets ? |
1.56%
+3.7% YoY
+1.0% QoQ
|
+0.24% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
69% |
| Net Interest Margin ? |
4.14%
+2.1% YoY
+3.1% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
61.14%
+1.0% YoY
-0.8% QoQ
|
-3.34% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.03%
-94.2% YoY
-92.0% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
90.23%
+2.3% YoY
+7.7% QoQ
|
+12.28% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
19.54%
-4.1% YoY
+0.7% QoQ
|
-2.49% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.07%
-82.6% YoY
-78.6% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
10.03%
-2.6% YoY
-4.2% QoQ
|
-5.88% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.2% in tier |
| Non-Interest Income / Assets ? |
0.24%
-2.5% YoY
+69.8% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
61% |
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 |
19.5%
-0.8pp YoY +0.1pp QoQ |
-2.6pp | 22.1% | 22.3% | 22.2% | 43% |
| 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 |
16.5%
-0.8pp YoY 0.0pp QoQ |
+5.0pp | 11.6% | 12.6% | 12.5% | 81% |
| CRE |
25.4%
-3.7pp YoY -0.5pp QoQ |
-14.1pp | 39.5% | 28.8% | 41.4% | 27% |
| 1-4 Family |
28.0%
+2.6pp YoY 0.0pp QoQ |
-4.6pp | 32.6% | 26.7% | 31.3% | 47% |
| Consumer |
1.6%
-0.2pp YoY -0.1pp QoQ |
-2.5pp | 4.1% | 4.6% | 5.0% | 41% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.0%
-0.3pp YoY -0.4pp QoQ |
-8.8pp | 18.8% | 23.3% | 19.7% | 2% |
| Leverage Ratio |
8.6%
-0.2pp YoY +0.1pp QoQ |
-3.5pp | 12.2% | 12.6% | 12.6% | 8% |
| Total Capital Ratio |
11.2%
-0.3pp YoY -0.5pp QoQ |
-8.7pp | 19.9% | 24.4% | 20.8% | 3% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
+3 (+3.8%) YoY +3 (+3.8%) QoQ |
+22 | 58 | 70 | 482 | 77% |
| Assets per Employee ($) |
$6.7M
+9.8% YoY +0.2% QoQ |
-$796K | $7.5M | $7.1M | $8.8M | 47% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 6 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 31% |
| Nonaccrual |
0.0%
-0.5pp YoY -0.4pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 0% |
| Allowance Coverage |
40.16x
+1587.8% YoY +1083.5% QoQ |
+16.01x | 24.15x | 22.44x | 20.23x | 93% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 44% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.8%
+0.7pp YoY +0.4pp QoQ |
+7.6pp | 12.2% | 14.3% | 11.6% | 88% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.6% | 1.7% | 74% |
| Net Income ($, YTD) |
$4.1M
+16.2% YoY — QoQ |
+$1.5M | $2.6M | $3.7M | $40.4M | 81% |
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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.