BlastPoint's Banking Scorecard
The Farmers State Bank of Blue Mound
Designations: ✓ Community bank
Blue Mound, 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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +6.4% year over year ($47.9M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.31%.
- Efficiency ratio 66.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 101.02% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank of Blue Mound has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.24% above tier average
- + ROA 0.32% above tier average
- + Efficiency Ratio 52.97% below tier average
- + Delinquency Rate 1.28% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.6M
+7.1% YoY
+9.5% QoQ
|
-$4.8M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$48.4M
+36.2% YoY
+20.5% QoQ
|
+$13.5M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$47.9M
+6.4% YoY
+4.9% QoQ
|
-$3.7M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.31%
-17.3% YoY
+0.6% QoQ
|
+0.32% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
5.15%
+5.8% YoY
-1.2% QoQ
|
+1.24% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
Top 8.4% in tier |
| Efficiency Ratio ? |
66.42%
-0.6% YoY
-1.0% QoQ
|
-52.97% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.20%
-78.4% YoY
+1.9% QoQ
|
-1.28% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
101.02%
+28.1% YoY
+14.9% QoQ
|
+26.81% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
24.83%
-7.3% YoY
-10.7% QoQ
|
+1.34% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.17%
-72.5% YoY
+12.2% QoQ
|
-0.67% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
11.61%
-29.4% YoY
+3.4% QoQ
|
-15.52% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.18%
-16.2% YoY
+65.4% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
67% |
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 |
24.8%
-1.9pp YoY -3.0pp QoQ |
+0.2pp | 24.6% | 22.3% | 22.2% | 54% |
| 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 |
6.7%
-0.6pp YoY -1.8pp QoQ |
-6.7pp | 13.4% | 12.6% | 12.5% | 31% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
10.1%
+4.6pp YoY +1.5pp QoQ |
-24.8pp | 35.0% | 26.7% | 31.3% | 21% |
| Consumer |
4.9%
-2.8pp YoY -1.7pp QoQ |
-2.8pp | 7.7% | 4.6% | 5.0% | 49% |
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 |
11.6%
-4.8pp YoY +0.4pp QoQ |
-6.1pp | 17.7% | 12.6% | 12.6% | 36% |
| 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 |
15
-3 (-16.7%) YoY -1 (-6.2%) QoQ |
+3 | 12 | 70 | 482 | 73% |
| Assets per Employee ($) |
$3.8M
+28.6% YoY +16.8% QoQ |
-$2.3M | $6.2M | $7.1M | $8.8M | 17% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 6 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.9pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 15% |
| Nonaccrual |
0.2%
0.0pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 19% |
| Allowance Coverage |
3.82x
+213.8% YoY -11.4% QoQ |
-2.59x | 6.41x | 22.44x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
-0.2pp YoY +0.1pp QoQ |
+4.0pp | 6.4% | 14.3% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.7%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.6% | 1.7% | 71% |
| Net Income ($, YTD) |
$357,000
-20.3% YoY — QoQ |
+$39K | $317,817 | $3.7M | $40.4M | 59% |
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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.