BlastPoint's Banking Scorecard
State Bank of Downs
Downs, KS
2 branches across CO · KS
State Bank of Downs has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.28% above tier average
- + Efficiency Ratio 10.36% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 56.7% in tier
- - Non-Interest Income / Assets 0.27% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.6M
+5.5% YoY
+9.4% QoQ
|
-$232.5M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$80.1M
-9.7% YoY
-5.2% QoQ
|
-$175.7M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.1% in tier |
| Total Deposits ? |
$132.3M
+6.0% YoY
+10.6% QoQ
|
-$195.6M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
1.55%
-14.2% YoY
-2.9% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
3.40%
-2.7% YoY
-9.7% QoQ
|
-0.53% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
54.93%
-2.7% YoY
-0.8% QoQ
|
-10.36% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.00%
-99.5% YoY
|
-0.88% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
Top 12.7% in tier |
| Loan-to-Deposit Ratio ? |
60.50%
-14.8% YoY
-14.3% QoQ
|
-16.14% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
27.67%
+16.2% YoY
-1.0% QoQ
|
+5.65% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.00%
-99.5% YoY
|
-0.64% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
Top 11.7% in tier |
| Tier 1 Capital Ratio ? |
13.35%
+4.4% YoY
+1.7% QoQ
|
-2.48% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.01%
-5.2% YoY
-76.0% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.3% in tier |
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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)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.