BlastPoint's Banking Scorecard

The Farmers State Bank of Westmoreland

$100M-$1B Specialty: Agricultural KS FDIC cert 15164

Westmoreland, KS

3 branches across KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

The Farmers State Bank of Westmoreland has 1 strength but faces 3 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

+ Efficiency Ratio 7.55% below tier average

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Net Interest Margin 0.56% below tier average
- Delinquency Rate 0.94% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$255.5M +8.1% YoY +8.7% QoQ	-$130.6M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$139.4M +3.8% YoY +0.4% QoQ	-$116.3M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$223.9M +7.5% YoY +9.7% QoQ	-$104.1M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.10% +69.8% YoY +32.4% QoQ	-0.17%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	44%
Net Interest Margin ?	3.37% +9.6% YoY -0.9% QoQ	-0.56%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	57.73% -9.5% YoY -12.0% QoQ	-7.55%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	66%
Delinquency Rate ?	1.82% -45.9% YoY -13.5% QoQ	+0.94%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 14.4% in tier
Loan-to-Deposit Ratio ?	62.26% -3.5% YoY -8.4% QoQ	-14.38%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	19.56% -11.2% YoY +3.9% QoQ	-2.46%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	1.00% -48.1% YoY -20.1% QoQ	+0.36%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	14.27% +1.3% YoY -2.2% QoQ	-1.56%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.07% +2.3% YoY -76.4% QoQ	-0.21%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	29%

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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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

577

Loan-to-Deposit Ratio

liquidity

Value: 62.26%

Peer Median: 76.64%

#577 of 2664 Top 21.6% in $100M-$1B

Top Weaknesses (3 metrics)

2274

Delinquency Rate

credit_quality

Value: 1.82%

Peer Median: 0.89%

#2274 of 2654 Bottom 14.4% in $100M-$1B

2140

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.64%

#2140 of 2664 Bottom 19.7% in $100M-$1B

2008

Net Interest Margin

profitability

Value: 3.37%

Peer Median: 3.93%

#2008 of 2664 Bottom 24.7% in $100M-$1B