BlastPoint's Banking Scorecard

Farmers State Bank

under $100M Specialty: Agricultural KS FDIC cert 14344

Designations: ✓ Community bank

Phillipsburg, KS

541 banks in the under $100M peer group nationally 48 in KS

Farmers State Bank has 2 strengths but faces 1 concern

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

+ Efficiency Ratio 10.39% below tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.25% below tier average

Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$42.5M +7.7% YoY +3.7% QoQ	-$19.7M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$21.7M +2.6% YoY +0.6% QoQ	-$12.5M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	31%
Total Deposits ?	$35.0M +8.3% YoY +5.1% QoQ	-$16.7M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	0.80% +33.4% YoY -13.0% QoQ	-0.04%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	42%
Net Interest Margin ?	3.61% +10.6% YoY +1.6% QoQ	-0.25%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	77.95% -3.4% YoY +5.6% QoQ	-10.39%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	1.22% -38.7% YoY -35.6% QoQ	-0.15%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	30%
Loan-to-Deposit Ratio ?	62.02% -5.3% YoY -4.3% QoQ	-2.19%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	26.49% +15.4% YoY +15.9% QoQ	+2.78%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	0.63% -41.6% YoY -37.6% QoQ	-0.16%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	34%
Tier 1 Capital Ratio ?	11.82% -1.2% YoY -1.7% QoQ	-14.86%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.07% -4.0% YoY -77.0% QoQ	-0.60%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	56%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

430

Tier 1 Capital Ratio

capital

Value: 11.82%

Peer Median: 26.68%

#430 of 541 Bottom 20.7% in under $100M

413

Total Assets

size

Value: $42.51M

Peer Median: $62.16M

#413 of 541 Bottom 23.8% in under $100M

411

Total Deposits

size

Value: $35.04M

Peer Median: $51.74M

#411 of 541 Bottom 24.2% in under $100M