BlastPoint's Banking Scorecard
Farmers and Merchants Bank of Mound City, Kansas
Designations: ✓ Community bank
Mound City, 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +6.2% year over year ($60.0M on the books).
- Delinquency rate 0.12%.
- Return on assets 1.24%.
- Efficiency ratio 66.35% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants Bank of Mound City, Kansas has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.24% above tier average
- + Efficiency Ratio 53.05% below tier average
- + Delinquency Rate 1.36% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.0M
+5.8% YoY
+4.2% QoQ
|
+$2.6M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$36.3M
-4.7% YoY
+0.1% QoQ
|
+$1.4M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$60.0M
+6.2% YoY
+4.3% QoQ
|
+$8.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.24%
+14.4% YoY
+8.9% QoQ
|
+0.24% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
3.70%
-2.4% YoY
-0.6% QoQ
|
-0.21% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
66.35%
-5.6% YoY
-3.2% QoQ
|
-53.05% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.12%
-85.4% YoY
-83.0% QoQ
|
-1.36% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
60.44%
-10.3% YoY
-4.0% QoQ
|
-13.77% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
23.24%
+0.6% YoY
-5.0% QoQ
|
-0.25% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.07%
-86.8% YoY
-83.6% QoQ
|
-0.77% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.63%
+12.7% YoY
+4.1% QoQ
|
-13.49% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.08%
+22.9% YoY
+117.0% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
23.2%
+0.1pp YoY -1.2pp QoQ |
-1.4pp | 24.6% | 22.3% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
12.0%
-1.8pp YoY -0.5pp QoQ |
-1.4pp | 13.4% | 12.6% | 12.5% | 59% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
48.3%
-1.4pp YoY -0.3pp QoQ |
+13.3pp | 35.0% | 26.7% | 31.3% | 70% |
| Consumer |
9.5%
+0.4pp YoY +0.5pp QoQ |
+1.9pp | 7.7% | 4.6% | 5.0% | 76% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.6%
+1.5pp YoY +0.5pp QoQ |
-25.1pp | 38.7% | 23.3% | 19.7% | 13% |
| Leverage Ratio |
6.1%
-0.1pp YoY -0.2pp QoQ |
-11.6pp | 17.7% | 12.6% | 12.6% | 1% |
| Total Capital Ratio |
14.9%
+1.5pp YoY +0.5pp QoQ |
-24.8pp | 39.7% | 24.4% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 70 | 482 | 20% |
| Assets per Employee ($) |
$9.3M
+5.8% YoY +4.2% QoQ |
+$3.1M | $6.2M | $7.1M | $8.8M | 90% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.7pp YoY -0.6pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 27% |
| Nonaccrual | 0.0% | -1.7pp | 1.7% | 0.8% | 1.0% | 2% |
| Allowance Coverage |
9.75x
+583.1% YoY +486.4% QoQ |
+3.34x | 6.41x | 22.44x | 20.23x | 88% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.4%
+2.1pp YoY +1.9pp QoQ |
+13.0pp | 6.4% | 14.3% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.6% | 1.7% | 81% |
| Net Income ($, YTD) |
$383,000
+20.4% YoY — QoQ |
+$65K | $317,817 | $3.7M | $40.4M | 61% |
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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.