BlastPoint's Banking Scorecard
The Farmers State Bank
Designations: ✓ Community bank
Dwight, 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 -3.6% year over year ($17.4M on the books).
- Delinquency rate 6.95%.
- Return on assets 0.83%.
- Efficiency ratio 73.98% vs a 119.40% peer average.
- Loan-to-deposit ratio 35.96% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 45.41% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.47% above tier average
- - Nonperforming Asset Ratio 1.39% above tier average
- - Non-Interest Income / Assets 1.36% below tier average
- - ROA 0.16% below tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$19.5M
-3.2% YoY
-1.2% QoQ
|
-$42.9M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.1% in tier |
| Total Loans ? |
$6.2M
+0.9% YoY
-11.5% QoQ
|
-$28.6M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.3% in tier |
| Total Deposits ? |
$17.4M
-3.6% YoY
-1.8% QoQ
|
-$34.3M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.3% in tier |
| Return on Assets ? |
0.83%
-24.6% YoY
+13.3% QoQ
|
-0.16% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
42% |
| Net Interest Margin ? |
3.20%
-13.5% YoY
+1.1% QoQ
|
-0.71% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
73.98%
+7.3% YoY
-3.8% QoQ
|
-45.41% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
6.95%
+175.7% YoY
+85.8% QoQ
|
+5.47% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.4% in tier |
| Loan-to-Deposit Ratio ? |
35.96%
+4.7% YoY
-9.9% QoQ
|
-38.25% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
Top 13.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.27%
+38.6% YoY
-4.6% QoQ
|
+2.78% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
2.22%
+187.5% YoY
+66.5% QoQ
|
+1.39% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.8% in tier |
| Tier 1 Capital Ratio ? |
10.47%
-0.9% YoY
+4.7% QoQ
|
-16.65% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.0% in tier |
| Non-Interest Income / Assets ? |
0.03%
-13.9% YoY
+68.8% QoQ
|
-1.36% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 7.8% in tier |
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 |
26.3%
+7.3pp YoY -1.3pp QoQ |
+1.6pp | 24.6% | 22.3% | 22.2% | 61% |
| 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 |
22.5%
+3.1pp YoY +1.4pp QoQ |
+9.1pp | 13.4% | 12.6% | 12.5% | 83% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
24.3%
+0.1pp YoY +2.6pp QoQ |
-10.7pp | 35.0% | 26.7% | 31.3% | 43% |
| Consumer |
7.8%
+2.5pp YoY +0.9pp QoQ |
+0.2pp | 7.7% | 4.6% | 5.0% | 68% |
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 |
10.5%
-0.1pp YoY +0.5pp QoQ |
-7.2pp | 17.7% | 12.6% | 12.6% | 23% |
| 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 |
5
0 YoY 0 QoQ |
-7 | 12 | 70 | 482 | 7% |
| Assets per Employee ($) |
$3.9M
-3.2% YoY -1.2% QoQ |
-$2.3M | $6.2M | $7.1M | $8.8M | 18% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 2.8% | +1.9pp | 1.0% | 0.4% | 0.4% | 94% |
| Nonaccrual |
4.1%
+1.6pp YoY +0.4pp QoQ |
+2.4pp | 1.7% | 0.8% | 1.0% | 91% |
| Allowance Coverage |
0.40x
-49.7% YoY -39.2% QoQ |
-6.01x | 6.41x | 22.44x | 20.23x | 14% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
-1.8pp YoY +0.8pp QoQ |
+1.8pp | 6.4% | 14.3% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.3%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.6% | 1.7% | 48% |
| Net Income ($, YTD) |
$83,000
-17.8% YoY — QoQ |
-$235K | $317,817 | $3.7M | $40.4M | 22% |
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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.