BlastPoint

BlastPoint's Banking Scorecard

State Bank of Downs

$100M-$1B Specialty: Other KS FDIC cert 9659

Downs, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
  • Deposits +5.0% year over year ($127.3M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.82%.
  • Efficiency ratio 73.30% vs a 64.48% peer average.
  • Loan-to-deposit ratio 63.26% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS
View $100M-$1B leaderboard (KS) →

State Bank of Downs has 2 strengths but faces 4 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

  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 2.0% in tier
  • - Non-Interest Income / Assets 0.54% below tier average
  • - Net Interest Margin 0.55% below tier average
  • - Efficiency Ratio 8.82% above tier average
Get updates when State Bank of Downs releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $148.0M
+4.2% YoY -3.6% QoQ
-$238.6M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
Bottom 13.5% in tier
Total Loans ? $80.5M
-10.9% YoY +0.6% QoQ
-$177.8M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
Bottom 10.6% in tier
Total Deposits ? $127.3M
+5.0% YoY -3.8% QoQ
-$199.4M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
Bottom 14.6% in tier
Return on Assets ? 0.82%
-58.9% YoY -47.1% QoQ
-0.51% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
24%
Net Interest Margin ? 3.43%
-9.7% YoY +0.8% QoQ
-0.55% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 73.30%
+48.8% YoY +33.4% QoQ
+8.82% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.00%
-100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 63.26%
-15.1% YoY +4.6% QoQ
-14.69% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
79%
Non-Interest-Bearing Deposit Share ? 23.77%
+3.3% YoY -14.1% QoQ
+1.74% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 0.00%
-100.0% QoQ
-0.67% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.64%
-4.2% YoY -5.3% QoQ
-3.26% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
43%
Non-Interest Income / Assets ? 0.03%
-12.4% YoY +107.6% QoQ
-0.54% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
Bottom 2.6% in tier

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 23.8%
+0.8pp YoY
-3.9pp QoQ
 +1.6pp 22.1% 22.3% 22.2% 61%
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 16.5%
-1.5pp YoY
-1.0pp QoQ
 +5.0pp 11.6% 12.6% 12.5% 81%
CRE 20.6%
+0.3pp YoY
-2.8pp QoQ
 -18.9pp 39.5% 28.8% 41.4% 19%
1-4 Family 43.7%
+0.3pp YoY
+0.7pp QoQ
 +11.1pp 32.6% 26.7% 31.3% 75%
Consumer 1.4%
-0.6pp YoY
0.0pp QoQ
 -2.7pp 4.1% 4.6% 5.0% 37%

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 12.6%
-0.6pp YoY
-0.7pp QoQ
 +0.5pp 12.2% 12.6% 12.6% 72%
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 16
0 YoY
-1 (-5.9%) QoQ
 -43 58 70 482 5%
Assets per Employee ($) $9.2M
+4.2% YoY
+2.4% QoQ
 +$1.7M $7.5M $7.1M $8.8M 81%
Branch Count 2
0 YoY
0 QoQ
 -3 4 6 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 22.44x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 45%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 6.2%
-8.9pp YoY
-5.4pp QoQ
 -6.0pp 12.2% 14.3% 11.6% 18%
Cost of Funds (YTD) 1.7%
-0.3pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.6% 1.7% 52%
Net Income ($, YTD) $602,000
-57.3% YoY
— QoQ
 -$2.0M $2.6M $3.7M $40.4M 13%

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)

Margin Compression

decline
#7 of 307 • Bottom 2.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 0.82%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
557
Loan-to-Deposit Ratio
liquidity
Value: 63.26%
Peer Median: 77.95%
#557 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (7 metrics)

2574
Non-Interest Income / Assets
revenue_mix
Value: 0.03%
Peer Median: 0.57%
#2574 of 2643 Bottom 2.6% in $100M-$1B
2363
Total Loans
size
Value: $80.55M
Peer Median: $258.35M
#2363 of 2643 Bottom 10.6% in $100M-$1B
2288
Total Assets
size
Value: $147.98M
Peer Median: $386.57M
#2288 of 2643 Bottom 13.5% in $100M-$1B
2257
Total Deposits
size
Value: $127.32M
Peer Median: $326.73M
#2257 of 2643 Bottom 14.6% in $100M-$1B
2032
Efficiency Ratio
profitability
Value: 73.30%
Peer Median: 64.48%
#2032 of 2643 Bottom 23.2% in $100M-$1B
2005
Return on Assets
profitability
Value: 0.82%
Peer Median: 1.32%
#2005 of 2643 Bottom 24.2% in $100M-$1B
1999
Net Interest Margin
profitability
Value: 3.43%
Peer Median: 3.99%
#1999 of 2643 Bottom 24.4% in $100M-$1B
Powered by BlastPoint © 2026