BlastPoint's Banking Scorecard

The Farmers State Bank

under $100M Specialty: Agricultural KS FDIC cert 17632

Designations: ✓ Community bank

Dwight, KS

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

The Farmers State Bank 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 11.47% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.37% above tier average
- Non-Interest Income / Assets 0.65% below tier average
- ROA 0.10% below tier average
- Net Interest Margin 0.69% below tier average

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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 ?	$19.8M +8.3% YoY -3.6% QoQ	-$42.4M	$62.2M -0.6% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	Bottom 4.3% in tier
Total Loans ?	$7.1M +11.4% YoY -4.7% QoQ	-$27.2M	$34.2M -1.4% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Bottom 8.1% in tier
Total Deposits ?	$17.7M +9.3% YoY -4.0% QoQ	-$34.1M	$51.7M -0.7% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	Bottom 7.6% in tier
Return on Assets ?	0.74% -13.8% YoY	-0.10%	0.84% -2.3% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	3.17% -16.5% YoY -11.4% QoQ	-0.69%	3.86% +2.8% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	76.88% +1.2% YoY -15.7% QoQ	-11.47%	88.34% +0.3% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	3.74% -15.1% YoY +77.7% QoQ	+2.37%	1.37% +33.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Bottom 9.4% in tier
Loan-to-Deposit Ratio ?	39.92% +2.0% YoY -0.7% QoQ	-24.29%	64.22% -0.7% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	82%
Non-Interest-Bearing Deposit Share ?	27.53% +18.8% YoY +32.8% QoQ	+3.81%	23.71% +0.3% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	1.34% -12.6% YoY +75.5% QoQ	+0.55%	0.79% +28.2% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	19%
Tier 1 Capital Ratio ?	10.01% -15.2% YoY +4.2% QoQ	-16.68%	26.68% +2.0% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	Bottom 6.8% in tier
Non-Interest Income / Assets ?	0.02% -7.7% YoY -68.9% QoQ	-0.65%	0.67% +1.9% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	Bottom 10.0% in tier

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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 541 peers in under $100M

Top Strengths (1 metrics)

100

Loan-to-Deposit Ratio

liquidity

Value: 39.92%

Peer Median: 64.22%

#100 of 541 Top 18.3% in under $100M

Top Weaknesses (8 metrics)

519

Total Assets

size

Value: $19.77M

Peer Median: $62.16M

#519 of 541 Bottom 4.3% in under $100M

505

Tier 1 Capital Ratio

capital

Value: 10.01%

Peer Median: 26.68%

#505 of 541 Bottom 6.8% in under $100M

501

Total Deposits

size

Value: $17.68M

Peer Median: $51.74M

#501 of 541 Bottom 7.6% in under $100M

498

Total Loans

size

Value: $7.06M

Peer Median: $34.25M

#498 of 541 Bottom 8.1% in under $100M

473

Delinquency Rate

credit_quality

Value: 3.74%

Peer Median: 1.37%

#473 of 521 Bottom 9.4% in under $100M

488

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#488 of 541 Bottom 10.0% in under $100M

439

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.79%

#439 of 541 Bottom 19.0% in under $100M

435

Net Interest Margin

profitability

Value: 3.17%

Peer Median: 3.86%

#435 of 541 Bottom 19.8% in under $100M