BlastPoint's Banking Scorecard
Landmark National Bank
Designations: ✓ Community bank
Manhattan, KS
28 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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
- Deposits +2.5% year over year ($1.3B on the books).
- Delinquency rate 1.19%.
- Return on assets 1.33%.
- Efficiency ratio 61.14% vs a 59.73% peer average.
- Loan-to-deposit ratio 83.38% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Landmark National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 40.1% in tier
- - ROA 0.06% below tier average
- - Efficiency Ratio 1.41% above tier average
- - Delinquency Rate 0.33% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-1.1% YoY
+0.0% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
39% |
| Total Loans ? |
$1.1B
-1.3% YoY
+0.5% QoQ
|
-$869.8M |
$2.0B
-0.3% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$1.3B
+2.5% YoY
-1.4% QoQ
|
-$1.0B |
$2.3B
-0.5% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
37% |
| Return on Assets ? |
1.33%
+15.1% YoY
+1.5% QoQ
|
-0.06% |
1.39%
+17.0% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.27%
+10.9% YoY
+0.2% QoQ
|
+0.39% |
3.87%
+6.2% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
61.14%
-2.6% YoY
-0.0% QoQ
|
+1.41% |
59.73%
-12.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
1.19%
-22.1% YoY
+25.2% QoQ
|
+0.33% |
0.87%
+11.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
83.38%
-3.7% YoY
+1.9% QoQ
|
-1.66% |
85.04%
-0.1% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
29.02%
+5.5% YoY
+5.0% QoQ
|
+7.74% |
21.27%
-1.5% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.81%
-23.0% YoY
+25.7% QoQ
|
+0.14% |
0.67%
+11.7% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.45%
+9.3% YoY
+1.8% QoQ
|
-1.39% |
14.84%
-0.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.48%
+14.1% YoY
+108.9% QoQ
|
-0.05% |
0.53%
+2.5% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
79% |
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 |
29.0%
+1.5pp YoY +1.4pp QoQ |
+7.6pp | 21.4% | 22.3% | 22.2% | 83% |
| Brokered Deposits |
1.0%
-3.2pp YoY -2.1pp QoQ |
-8.5pp | 9.5% | 8.7% | 8.5% | 18% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.4%
-2.2pp YoY +0.1pp QoQ |
+2.4pp | 14.0% | 12.6% | 12.5% | 71% |
| CRE |
39.4%
+3.6pp YoY +0.2pp QoQ |
-10.6pp | 50.0% | 28.8% | 41.4% | 23% |
| 1-4 Family |
35.4%
-0.4pp YoY -0.3pp QoQ |
+8.9pp | 26.4% | 26.7% | 31.3% | 76% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 4.6% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
+1.1pp YoY +0.2pp QoQ |
-2.1pp | 15.6% | 23.3% | 19.7% | 49% |
| Leverage Ratio |
10.2%
+0.8pp YoY +0.2pp QoQ |
-1.1pp | 11.3% | 12.6% | 12.6% | 41% |
| Total Capital Ratio |
14.5%
+1.1pp YoY +0.2pp QoQ |
-2.2pp | 16.7% | 24.4% | 20.8% | 47% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
285
-4 (-1.4%) YoY +7 (+2.5%) QoQ |
-29 | 313 | 70 | 482 | 63% |
| Assets per Employee ($) |
$5.6M
+0.2% YoY -2.4% QoQ |
-$4.9M | $10.5M | $7.1M | $8.8M | 8% |
| Branch Count |
29
0 YoY 0 QoQ |
+9 | 20 | 6 | 18 | 81% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.2%
-0.3pp YoY +0.2pp QoQ |
+0.4pp | 0.8% | 0.8% | 1.0% | 79% |
| Allowance Coverage |
0.97x
+19.7% YoY -20.2% QoQ |
-17.74x | 18.71x | 22.44x | 20.23x | 22% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+0.5pp YoY +0.1pp QoQ |
-0.9pp | 12.6% | 14.3% | 11.6% | 47% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 1.9% | 1.6% | 1.7% | 15% |
| Net Income ($, YTD) |
$10.7M
+16.1% YoY — QoQ |
-$8.6M | $19.2M | $3.7M | $40.4M | 42% |
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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.