BlastPoint's Banking Scorecard
The First State Bank
Norton, KS
5 branches across KS · NE
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 -0.5% year over year ($406.6M on the books).
- Delinquency rate 0.11%.
- Return on assets 1.85%.
- Efficiency ratio 51.49% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46.3% in tier
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 12.99% below tier average
- + Delinquency Rate 0.81% 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 ? |
$493.2M
+0.3% YoY
-1.1% QoQ
|
+$106.6M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$278.6M
+1.2% YoY
-3.3% QoQ
|
+$20.2M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$406.6M
-0.5% YoY
-5.6% QoQ
|
+$79.9M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
1.85%
+21.3% YoY
+2.3% QoQ
|
+0.53% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.14%
+13.0% YoY
+1.5% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
51.49%
-11.7% YoY
-0.5% QoQ
|
-12.99% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
0.11%
-90.2% YoY
-59.2% QoQ
|
-0.81% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
68.51%
+1.7% YoY
+2.5% QoQ
|
-9.44% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
32.38%
+7.7% YoY
+6.7% QoQ
|
+10.35% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Top 13.7% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-89.0% YoY
-57.5% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
13.05%
+9.9% YoY
+4.1% QoQ
|
-2.85% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.21%
-3.3% YoY
+108.7% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
52% |
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 |
32.4%
+2.3pp YoY +2.0pp QoQ |
+10.2pp | 22.1% | 22.3% | 22.2% | 86% |
| 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 |
16.8%
+1.0pp YoY -0.9pp QoQ |
+5.3pp | 11.6% | 12.6% | 12.5% | 81% |
| CRE |
11.4%
+1.7pp YoY +0.7pp QoQ |
-28.2pp | 39.5% | 28.8% | 41.4% | 6% |
| 1-4 Family |
5.0%
+0.3pp YoY +0.2pp QoQ |
-27.6pp | 32.6% | 26.7% | 31.3% | 5% |
| Consumer |
5.4%
-0.8pp YoY 0.0pp QoQ |
+1.3pp | 4.1% | 4.6% | 5.0% | 80% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
13.1%
+1.2pp YoY +0.5pp QoQ |
+0.9pp | 12.2% | 12.6% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
-5 (-7.0%) YoY -2 (-2.9%) QoQ |
+7 | 58 | 70 | 482 | 68% |
| Assets per Employee ($) |
$7.5M
+7.9% YoY +1.9% QoQ |
-$46K | $7.5M | $7.1M | $8.8M | 60% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.8pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 27% |
| Nonaccrual |
0.1%
-0.2pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 16% |
| Allowance Coverage |
18.14x
+1018.7% YoY +160.9% QoQ |
-6.01x | 24.15x | 22.44x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 81% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.7%
+0.3pp YoY -0.1pp QoQ |
+5.5pp | 12.2% | 14.3% | 11.6% | 81% |
| Cost of Funds (YTD) |
1.5%
-0.3pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.6% | 1.7% | 34% |
| Net Income ($, YTD) |
$4.7M
+23.8% YoY — QoQ |
+$2.1M | $2.6M | $3.7M | $40.4M | 85% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.