BlastPoint's Banking Scorecard
The Farmers State Bank
Designations: ✓ Community bank
Wathena, 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 +5.8% year over year ($77.0M on the books).
- Delinquency rate 1.79%.
- Return on assets 1.32%.
- Efficiency ratio 68.79% vs a 119.40% peer average.
- Loan-to-deposit ratio 59.63% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 50.60% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.31% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.7M
+7.3% YoY
-2.4% QoQ
|
+$22.2M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$45.9M
+8.0% YoY
+4.2% QoQ
|
+$11.0M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$77.0M
+5.8% YoY
-3.3% QoQ
|
+$25.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Top 12.7% in tier |
| Return on Assets ? |
1.32%
+10.0% YoY
+7.0% QoQ
|
+0.32% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
4.02%
+3.1% YoY
+1.7% QoQ
|
+0.11% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
58% |
| Efficiency Ratio ? |
68.79%
-4.1% YoY
-2.0% QoQ
|
-50.60% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
55% |
| Delinquency Rate ? |
1.79%
+39.8% QoQ
|
+0.31% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
59.63%
+2.0% YoY
+7.7% QoQ
|
-14.58% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
27.04%
-0.6% YoY
+1.0% QoQ
|
+3.55% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.97%
+49.2% QoQ
|
+0.14% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.64%
-3.2% YoY
+1.7% QoQ
|
-13.49% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.23%
-15.6% YoY
+111.5% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
27.0%
-0.2pp YoY +0.3pp QoQ |
+2.4pp | 24.6% | 22.3% | 22.2% | 63% |
| 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 |
18.6%
+3.5pp YoY +0.5pp QoQ |
+5.2pp | 13.4% | 12.6% | 12.5% | 76% |
| CRE |
12.8%
+0.5pp YoY -0.6pp QoQ |
-12.4pp | 25.2% | 28.8% | 41.4% | 22% |
| 1-4 Family |
37.2%
-1.0pp YoY +1.5pp QoQ |
+2.3pp | 35.0% | 26.7% | 31.3% | 58% |
| Consumer |
8.0%
-1.8pp YoY -0.6pp QoQ |
+0.3pp | 7.7% | 4.6% | 5.0% | 69% |
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 |
13.6%
-0.4pp YoY +0.2pp QoQ |
-4.1pp | 17.7% | 12.6% | 12.6% | 59% |
| 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 |
13
-1 (-7.1%) YoY 0 QoQ |
+1 | 12 | 70 | 482 | 62% |
| Assets per Employee ($) |
$6.5M
+15.6% YoY -2.4% QoQ |
+$326K | $6.2M | $7.1M | $8.8M | 59% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.7%
+0.7pp YoY +0.6pp QoQ |
-0.3pp | 1.0% | 0.4% | 0.4% | 62% |
| Nonaccrual |
1.1%
0.0pp QoQ |
-0.6pp | 1.7% | 0.8% | 1.0% | 59% |
| Allowance Coverage |
1.81x
-99.4% YoY -31.0% QoQ |
-4.60x | 6.41x | 22.44x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
-0.1%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.7%
-2.0pp YoY +0.9pp QoQ |
+9.3pp | 6.4% | 14.3% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.6% | 1.7% | 30% |
| Net Income ($, YTD) |
$554,000
+16.9% YoY — QoQ |
+$236K | $317,817 | $3.7M | $40.4M | 79% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.