BlastPoint's Banking Scorecard

The Farmers State Bank

under $100M Specialty: Agricultural KS FDIC cert 15258

Designations: ✓ Community bank

Holton, KS

537 banks in the under $100M peer group nationally 47 in KS

The Farmers State Bank shows strong momentum with 4 strengths and 13.0% 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 0.47% above tier average
+ Net Interest Margin 0.08% above tier average
+ Efficiency Ratio 30.90% below tier average
+ Delinquency Rate 1.15% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$84.5M +13.0% YoY +3.0% QoQ	+$22.3M	$62.3M -0.5% YoY	$511.5M +7.3% YoY	$6.2B +9.0% YoY	77%
Total Loans ?	$50.0M +3.2% YoY -2.8% QoQ	+$15.7M	$34.3M -1.5% YoY	$340.0M +8.8% YoY	$3.2B +10.7% YoY	77%
Total Deposits ?	$73.0M +13.9% YoY +3.8% QoQ	+$21.2M	$51.8M -0.6% YoY	$426.3M +7.3% YoY	$4.8B +8.0% YoY	79%
Return on Assets ?	1.33% +42.9% YoY +39.2% QoQ	+0.47%	0.86% -3.6% YoY	1.43% +17.3% YoY	1.24% +13.1% YoY	69%
Net Interest Margin ?	3.95% +8.5% YoY +1.8% QoQ	+0.08%	3.87% +2.7% YoY	3.93% +4.6% YoY	3.89% +5.7% YoY	56%
Efficiency Ratio ?	56.73% -12.2% YoY -7.4% QoQ	-30.90%	87.63% +2.3% YoY	61.28% -4.6% YoY	66.84% -3.8% YoY	81%
Delinquency Rate ?	0.21% -93.0% YoY -42.4% QoQ	-1.15%	1.36% +33.7% YoY	0.75% +8.4% YoY	0.95% +18.8% YoY	59%
Loan-to-Deposit Ratio ?	68.45% -9.4% YoY -6.4% QoQ	+4.34%	64.11% -0.9% YoY	71.71% +1.1% YoY	76.69% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	15.54% -1.1% YoY +22.0% QoQ	-8.24%	23.79% +0.5% YoY	22.79% -1.9% YoY	22.01% -1.1% YoY	26%
Nonperforming Asset Ratio ?	0.13% -93.6% YoY -45.6% QoQ	-0.65%	0.77% +28.7% YoY	0.49% +9.8% YoY	0.66% +19.3% YoY	58%
Tier 1 Capital Ratio ?	12.48% -8.5% YoY -7.0% QoQ	-14.30%	26.77% +2.0% YoY	18.00% -0.6% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.10% +15.6% YoY -72.5% QoQ	-0.57%	0.67% +1.6% YoY	0.28% -2.0% YoY	0.32% +4.0% YoY	69%

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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 537 peers in under $100M

Top Strengths (4 metrics)

104

Efficiency Ratio

profitability

Value: 56.73%

Peer Median: 87.63%

#104 of 537 Top 19.2% in under $100M

116

Total Deposits

size

Value: $73.00M

Peer Median: $51.83M

#116 of 537 Top 21.4% in under $100M

125

Total Assets

size

Value: $84.55M

Peer Median: $62.28M

#125 of 537 Top 23.1% in under $100M

126

Total Loans

size

Value: $49.97M

Peer Median: $34.29M

#126 of 537 Top 23.3% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available