BlastPoint's Banking Scorecard

The Farmers State Bank

under $100M Specialty: Agricultural KS FDIC cert 15258

Designations: ✓ Community bank

Holton, 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 +12.6% year over year ($74.4M on the books).
Delinquency rate 0.45%.
Return on assets 1.62%.
Efficiency ratio 52.26% vs a 119.40% peer average.
Loan-to-deposit ratio 67.38% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View under $100M leaderboard (KS) →

The Farmers State Bank shows strong momentum with 4 strengths and 12.2% YoY asset growth

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

+ ROA 0.62% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 67.14% below tier average
+ Delinquency Rate 1.03% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$86.2M +12.2% YoY +2.0% QoQ	+$23.8M	$62.4M -0.0% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$50.1M +2.2% YoY +0.3% QoQ	+$15.2M	$34.9M -0.6% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$74.4M +12.6% YoY +1.9% QoQ	+$22.7M	$51.6M -0.2% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	82%
Return on Assets ?	1.62% +293.6% YoY +22.0% QoQ	+0.62%	1.00% +3.5% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	4.05% +10.1% YoY +2.5% QoQ	+0.13%	3.91% +2.3% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	52.26% -21.0% YoY -7.9% QoQ	-67.14%	119.40% +49.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 12.5% in tier
Delinquency Rate ?	0.45% -35.5% YoY +110.7% QoQ	-1.03%	1.48% +31.8% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	51%
Loan-to-Deposit Ratio ?	67.38% -9.2% YoY -1.6% QoQ	-6.83%	74.21% +12.6% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	14.99% -4.6% YoY -3.6% QoQ	-8.50%	23.49% +0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.26% -79.1% YoY +107.1% QoQ	-0.57%	0.84% +23.0% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	51%
Tier 1 Capital Ratio ?	12.74% -1.7% YoY +2.1% QoQ	-14.39%	27.13% +3.0% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.18% +2.0% YoY +91.2% QoQ	-1.20%	1.38% +6.3% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	68%

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	15.0% -0.7pp YoY -0.6pp QoQ	-9.7pp	24.6%	22.3%	22.2%	19%
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	2.1% -2.2pp YoY -1.3pp QoQ	-11.3pp	13.4%	12.6%	12.5%	6%
CRE	12.6% -1.6pp YoY -0.4pp QoQ	-12.6pp	25.2%	28.8%	41.4%	20%
1-4 Family	50.7% +8.7pp YoY +2.1pp QoQ	+15.7pp	35.0%	26.7%	31.3%	72%
Consumer	1.8% -0.2pp YoY +0.2pp QoQ	-5.8pp	7.7%	4.6%	5.0%	21%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	38.7%	23.3%	19.7%	n/a
Leverage Ratio	12.7% -0.2pp YoY +0.3pp QoQ	-5.0pp	17.7%	12.6%	12.6%	49%
Total Capital Ratio	n/a	n/a	39.7%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	12 0 YoY 0 QoQ	-0	12	70	482	56%
Assets per Employee ($)	$7.2M +12.2% YoY +2.0% QoQ	+$999K	$6.2M	$7.1M	$8.8M	69%
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	0.3% +0.3pp QoQ	-0.6pp	1.0%	0.4%	0.4%	43%
Nonaccrual	0.1% -0.6pp YoY 0.0pp QoQ	-1.6pp	1.7%	0.8%	1.0%	15%
Allowance Coverage	2.34x +43.4% YoY -50.7% QoQ	-4.07x	6.41x	22.44x	20.23x	65%
Net Charge-off Rate (YTD)	-0.0% -2.1pp YoY	-0.2pp	0.2%	0.1%	0.2%	34%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	14.6% +10.9pp YoY +2.7pp QoQ	+8.2pp	6.4%	14.3%	11.6%	83%
Cost of Funds (YTD)	1.7% -0.3pp YoY -0.1pp QoQ	+0.3pp	1.4%	1.6%	1.7%	70%
Net Income ($, YTD)	$684,000 +341.3% YoY — QoQ	+$366K	$317,817	$3.7M	$40.4M	87%

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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 536 peers in under $100M

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 52.26%

Peer Median: 119.40%

#68 of 536 Top 12.5% in under $100M

Total Deposits

size

Value: $74.36M

Peer Median: $51.62M

#96 of 536 Top 17.7% in under $100M

106

Return on Assets

profitability

Value: 1.62%

Peer Median: 1.00%

#106 of 536 Top 19.6% in under $100M

109

Total Assets

size

Value: $86.25M

Peer Median: $62.44M

#109 of 536 Top 20.1% in under $100M

129

Total Loans

size

Value: $50.10M

Peer Median: $34.89M

#129 of 536 Top 23.9% in under $100M

Top Weaknesses (1 metrics)

412

Non-Interest-Bearing Deposit Share

funding

Value: 14.99%

Peer Median: 23.49%

#412 of 536 Bottom 23.3% in under $100M