BlastPoint's Banking Scorecard
Bank of Commerce and Trust Company
Wellington, KS
4 branches across KS
Bank of Commerce and Trust Company faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 26.6% in tier
- - ROA 0.70% below tier average
- - Net Interest Margin 0.71% below tier average
- - Efficiency Ratio 11.08% above tier average
- - Delinquency Rate 1.06% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$112.6M
+1.7% YoY
-2.9% QoQ
|
-$273.5M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 3.6% in tier |
| Total Loans ? |
$47.8M
-7.5% YoY
-2.8% QoQ
|
-$207.9M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.7% in tier |
| Total Deposits ? |
$104.1M
+0.5% YoY
-3.1% QoQ
|
-$223.8M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.9% in tier |
| Return on Assets ? |
0.57%
-16.2% YoY
-16.0% QoQ
|
-0.70% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
15% |
| Net Interest Margin ? |
3.22%
+1.7% YoY
+0.7% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
76.37%
+0.3% YoY
-1.6% QoQ
|
+11.08% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
1.95%
-13.5% YoY
-2.4% QoQ
|
+1.06% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.0% in tier |
| Loan-to-Deposit Ratio ? |
45.94%
-8.0% YoY
+0.2% QoQ
|
-30.70% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
Top 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.91%
+9.3% YoY
+10.5% QoQ
|
-7.11% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
1.00%
-18.5% YoY
-1.5% QoQ
|
+0.36% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
18.20%
+9.0% YoY
+2.5% QoQ
|
+2.37% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.10%
-9.0% YoY
-75.4% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.