BlastPoint

BlastPoint's Banking Scorecard

The Farmers State Bank of Westmoreland

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

Westmoreland, KS

3 branches across 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 +10.6% year over year ($226.2M on the books).
  • Delinquency rate 2.06%.
  • Return on assets 1.10%.
  • Efficiency ratio 57.58% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.65% 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) →

The Farmers State Bank of Westmoreland has 1 strength 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

  • + Efficiency Ratio 6.90% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 51.2% in tier
  • - ROA 0.22% below tier average
  • - Net Interest Margin 0.60% below tier average
  • - Delinquency Rate 1.14% above tier average
Get updates when The Farmers State Bank of Westmoreland releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Total Assets ? $257.7M
+10.5% YoY +0.9% QoQ
-$128.9M $386.6M
+1.2% YoY
$513.9M
+7.1% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $141.7M
+3.8% YoY +1.7% QoQ
-$116.6M $258.3M
+1.7% YoY
$343.7M
+7.8% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $226.2M
+10.6% YoY +1.0% QoQ
-$100.5M $326.7M
+0.7% YoY
$426.3M
+7.4% YoY
$4.9B
+7.3% YoY
40%
Return on Assets ? 1.10%
+38.9% YoY +0.0% QoQ
-0.22% 1.32%
+10.8% YoY
1.56%
+14.6% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.38%
+2.9% YoY +0.5% QoQ
-0.60% 3.99%
+5.0% YoY
3.99%
+4.5% YoY
3.95%
+4.9% YoY
23%
Efficiency Ratio ? 57.58%
-5.5% YoY -0.3% QoQ
-6.90% 64.48%
-3.2% YoY
60.13%
-4.7% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 2.06%
-50.7% YoY +13.1% QoQ
+1.14% 0.92%
+15.7% YoY
0.82%
+9.9% YoY
0.98%
+16.3% YoY
Bottom 12.2% in tier
Loan-to-Deposit Ratio ? 62.65%
-6.2% YoY +0.6% QoQ
-15.30% 77.95%
+1.0% YoY
72.94%
+0.4% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 16.56%
-16.4% YoY -15.4% QoQ
-5.48% 22.03%
-0.6% YoY
22.01%
-1.4% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 1.13%
-53.7% YoY +14.0% QoQ
+0.47% 0.67%
+16.4% YoY
0.53%
+8.8% YoY
0.69%
+15.8% YoY
17%
Tier 1 Capital Ratio ? 13.88%
-2.4% YoY -2.8% QoQ
-2.03% 15.91%
+1.4% YoY
17.75%
-1.2% YoY
17.09%
+0.8% YoY
57%
Non-Interest Income / Assets ? 0.14%
-0.8% YoY +107.7% QoQ
-0.43% 0.57%
+7.6% YoY
0.59%
-1.1% YoY
0.66%
+5.2% YoY
30%

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 16.6%
-3.3pp YoY
-3.0pp QoQ
 -5.6pp 22.1% 22.3% 22.2% 30%
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 13.5%
+0.3pp YoY
+0.6pp QoQ
 +1.9pp 11.6% 12.6% 12.5% 70%
CRE 16.5%
+0.3pp YoY
-0.7pp QoQ
 -23.1pp 39.5% 28.8% 41.4% 12%
1-4 Family 18.5%
-1.1pp YoY
-1.1pp QoQ
 -14.1pp 32.6% 26.7% 31.3% 27%
Consumer 3.0%
-0.3pp YoY
-0.1pp QoQ
 -1.1pp 4.1% 4.6% 5.0% 60%

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 13.9%
-0.3pp YoY
-0.4pp QoQ
 +1.7pp 12.2% 12.6% 12.6% 81%
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 37
+2 (+5.7%) YoY
+1 (+2.8%) QoQ
 -22 58 70 482 37%
Assets per Employee ($) $7.0M
+4.6% YoY
-1.9% QoQ
 -$554K $7.5M $7.1M $8.8M 52%
Branch Count 3
0 YoY
0 QoQ
 -2 4 6 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
Past Due 90+ Days 1.3%
-1.6pp YoY
+0.3pp QoQ
 +1.0pp 0.3% 0.4% 0.4% 94%
Nonaccrual 0.7%
-0.6pp YoY
-0.1pp QoQ
 -0.2pp 0.9% 0.8% 1.0% 64%
Allowance Coverage 0.79x
+83.3% YoY
-12.8% QoQ
 -23.36x 24.15x 22.44x 20.23x 20%
Net Charge-off Rate (YTD) 0.1%
-0.9pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 79%

Profitability

Metric Current vs Tier Tier Avg State Avg (KS) National Avg Tier Percentile
ROE 9.0%
+2.2pp YoY
+0.1pp QoQ
 -3.2pp 12.2% 14.3% 11.6% 31%
Cost of Funds (YTD) 2.0%
0.0pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 71%
Net Income ($, YTD) $1.4M
+49.8% YoY
— QoQ
 -$1.2M $2.6M $3.7M $40.4M 38%

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)

NIB Deposit Bleed

decline
#84 of 162 • Bottom 51.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 16.56%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 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 (1 metrics)

540
Loan-to-Deposit Ratio
liquidity
Value: 62.65%
Peer Median: 77.95%
#540 of 2643 Top 20.4% in $100M-$1B

Top Weaknesses (3 metrics)

2313
Delinquency Rate
credit_quality
Value: 2.06%
Peer Median: 0.92%
#2313 of 2633 Bottom 12.2% in $100M-$1B
2182
Nonperforming Asset Ratio
credit_quality
Value: 1.13%
Peer Median: 0.67%
#2182 of 2643 Bottom 17.5% in $100M-$1B
2039
Net Interest Margin
profitability
Value: 3.38%
Peer Median: 3.99%
#2039 of 2643 Bottom 22.9% in $100M-$1B
Powered by BlastPoint © 2026