BlastPoint's Banking Scorecard
Bank of Commerce and Trust Company
Wellington, KS
4 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 +5.8% year over year ($104.4M on the books).
- Delinquency rate 1.18%.
- Return on assets 0.70%.
- Efficiency ratio 75.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 45.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Commerce and Trust Company faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Net Interest Margin 0.71% below tier average
- - Efficiency Ratio 10.58% above tier average
- - Delinquency Rate 0.26% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.8M
+6.5% YoY
+0.1% QoQ
|
-$273.8M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 3.4% in tier |
| Total Loans ? |
$47.0M
-5.3% YoY
-1.8% QoQ
|
-$211.4M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.5% in tier |
| Total Deposits ? |
$104.4M
+5.8% YoY
+0.2% QoQ
|
-$222.3M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.7% in tier |
| Return on Assets ? |
0.70%
-20.0% YoY
+23.4% QoQ
|
-0.62% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
19% |
| Net Interest Margin ? |
3.28%
-0.2% YoY
+2.0% QoQ
|
-0.71% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
75.06%
+5.4% YoY
-1.7% QoQ
|
+10.58% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
1.18%
-39.6% YoY
-39.3% QoQ
|
+0.26% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
45.01%
-10.5% YoY
-2.0% QoQ
|
-32.94% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.32%
+2.0% YoY
-3.9% QoQ
|
-7.71% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.93%
-15.4% YoY
-6.9% QoQ
|
+0.26% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
18.99%
+9.0% YoY
+4.3% QoQ
|
+3.08% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.22%
+0.7% YoY
+126.7% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
14.3%
+0.3pp YoY -0.6pp QoQ |
-7.8pp | 22.1% | 22.3% | 22.2% | 21% |
| Brokered Deposits |
1.9%
-2.1pp YoY 0.0pp QoQ |
-5.9pp | 7.9% | 8.7% | 8.5% | 29% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.3%
-1.8pp YoY -0.4pp QoQ |
-5.3pp | 11.6% | 12.6% | 12.5% | 27% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
42.3%
+4.0pp YoY +1.3pp QoQ |
+9.6pp | 32.6% | 26.7% | 31.3% | 73% |
| Consumer |
10.0%
-1.0pp YoY +0.2pp QoQ |
+5.9pp | 4.1% | 4.6% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.0%
+1.6pp YoY +0.8pp QoQ |
+0.2pp | 18.8% | 23.3% | 19.7% | 74% |
| Leverage Ratio |
8.8%
+0.1pp YoY +0.3pp QoQ |
-3.3pp | 12.2% | 12.6% | 12.6% | 10% |
| Total Capital Ratio |
19.9%
+1.6pp YoY +0.8pp QoQ |
-0.1pp | 19.9% | 24.4% | 20.8% | 73% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+4 (+21.1%) YoY +1 (+4.5%) QoQ |
-36 | 58 | 70 | 482 | 15% |
| Assets per Employee ($) |
$4.9M
-12.0% YoY -4.2% QoQ |
-$2.6M | $7.5M | $7.1M | $8.8M | 13% |
| Branch Count |
4
-1 (-20.0%) YoY -1 (-20.0%) QoQ |
-1 | 4 | 6 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.7pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 32% |
| Nonaccrual |
1.2%
-0.1pp YoY -0.7pp QoQ |
+0.2pp | 0.9% | 0.8% | 1.0% | 75% |
| Allowance Coverage |
0.81x
+75.2% YoY +75.6% QoQ |
-23.34x | 24.15x | 22.44x | 20.23x | 21% |
| Net Charge-off Rate (YTD) |
0.1%
+0.2pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 79% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
-6.5pp YoY +2.3pp QoQ |
-0.3pp | 12.2% | 14.3% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY -0.1pp QoQ |
0.0pp | 1.7% | 1.6% | 1.7% | 50% |
| Net Income ($, YTD) |
$398,000
-16.7% YoY — QoQ |
-$2.2M | $2.6M | $3.7M | $40.4M | 8% |
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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.