BlastPoint's Banking Scorecard
The Farmers State Bank
Mcpherson, KS
4 branches across KS
The Farmers State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.65% below tier average
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$174.6M
+7.8% YoY
+2.8% QoQ
|
-$211.5M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$89.3M
+6.3% YoY
+4.1% QoQ
|
-$166.4M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
15% |
| Total Deposits ? |
$156.3M
+5.1% YoY
+2.9% QoQ
|
-$171.6M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
1.32%
+39.4% YoY
+23.7% QoQ
|
+0.05% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
57% |
| Net Interest Margin ? |
3.86%
+15.2% YoY
+10.2% QoQ
|
-0.07% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
59.64%
-14.5% YoY
-9.6% QoQ
|
-5.65% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
0.04%
-73.3% YoY
+540.3% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
57.13%
+1.1% YoY
+1.2% QoQ
|
-19.51% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
24.12%
+4.6% YoY
-3.8% QoQ
|
+2.10% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.02%
-73.7% YoY
+548.5% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
83% |
| Tier 1 Capital Ratio ? |
10.00%
-2.4% YoY
-1.4% QoQ
|
-5.83% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.7% in tier |
| Non-Interest Income / Assets ? |
0.11%
+12.3% YoY
-74.0% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.