BlastPoint's Banking Scorecard

Intrust Bank, National Association

$1B-$10B Specialty: Commercial KS FDIC cert 4799

Wichita, KS

41 branches across KS · OK · AR

884 banks in the $1B-$10B peer group nationally 20 in KS

Intrust Bank, National Association has 2 strengths but faces 3 concerns

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

+ Efficiency Ratio 1.80% below tier average
+ Delinquency Rate 0.28% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 14.6% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.34% below tier average

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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 ?	$6.8B -4.3% YoY -2.7% QoQ	+$4.0B	$2.8B -0.1% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Top 8.0% in tier
Total Loans ?	$4.2B +1.8% YoY +2.4% QoQ	+$2.3B	$2.0B +0.6% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 10.9% in tier
Total Deposits ?	$6.0B -6.7% YoY -3.9% QoQ	+$3.7B	$2.3B -0.3% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Top 5.8% in tier
Return on Assets ?	1.31% +36.8% YoY +9.5% QoQ	-0.06%	1.37% +19.6% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	3.48% +17.3% YoY +7.0% QoQ	-0.34%	3.82% +6.9% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	39%
Efficiency Ratio ?	59.26% -8.9% YoY -2.6% QoQ	-1.80%	61.06% -4.6% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.61% -43.1% YoY -21.2% QoQ	-0.28%	0.89% +14.1% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	70.12% +9.1% YoY +6.6% QoQ	-14.08%	84.20% +0.3% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	19.99% +0.9% YoY -4.1% QoQ	-1.30%	21.29% -2.5% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.38% -39.5% YoY -17.0% QoQ	-0.29%	0.67% +15.6% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	13.50% +2.3% YoY +0.2% QoQ	-1.66%	15.16% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.28% +20.0% YoY -72.3% QoQ	+0.02%	0.26% +1.6% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	84%

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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 (1)

Deposit Outflow

decline

#20 of 130 • Bottom 14.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

130 of 130 Mid-Market banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Total Deposits

size

Value: $6.04B

Peer Median: $2.34B

#52 of 884 Top 5.8% in $1B-$10B

Total Assets

size

Value: $6.78B

Peer Median: $2.82B

#72 of 884 Top 8.0% in $1B-$10B

Total Loans

size

Value: $4.24B

Peer Median: $1.96B

#97 of 884 Top 10.9% in $1B-$10B

140

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.26%

#140 of 884 Top 15.7% in $1B-$10B

151

Loan-to-Deposit Ratio

liquidity

Value: 70.12%

Peer Median: 84.20%

#151 of 884 Top 17.0% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available