BlastPoint's Banking Scorecard
Marquette Farmers State Bank of Marquette
Designations: ✓ Community bank
Marquette, 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 +8.1% year over year ($28.2M on the books).
- Delinquency rate 5.43%.
- Return on assets 0.95%.
- Efficiency ratio 67.78% vs a 119.40% peer average.
- Loan-to-deposit ratio 38.99% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Marquette Farmers State Bank of Marquette has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 51.61% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.95% above tier average
- - ROA 0.05% below tier average
- - Net Interest Margin 0.57% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$33.6M
+7.8% YoY
+2.1% QoQ
|
-$28.8M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.2% in tier |
| Total Loans ? |
$11.0M
-1.5% YoY
+2.2% QoQ
|
-$23.9M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.1% in tier |
| Total Deposits ? |
$28.2M
+8.1% YoY
+2.1% QoQ
|
-$23.4M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.95%
+58.0% YoY
+17.6% QoQ
|
-0.05% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
48% |
| Net Interest Margin ? |
3.35%
+13.1% YoY
-4.4% QoQ
|
-0.57% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
67.78%
-15.3% YoY
+6.5% QoQ
|
-51.61% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
5.43%
+29.7% YoY
+107.1% QoQ
|
+3.95% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.2% in tier |
| Loan-to-Deposit Ratio ? |
38.99%
-8.8% YoY
+0.1% QoQ
|
-35.22% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
19.77%
+4.5% YoY
+6.1% QoQ
|
-3.72% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.78%
+18.6% YoY
+107.4% QoQ
|
+0.94% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.2% in tier |
| Tier 1 Capital Ratio ? |
17.54%
-3.0% YoY
-0.3% QoQ
|
-9.58% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.09%
-22.3% YoY
+78.6% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
37% |
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 |
19.8%
+0.8pp YoY +1.1pp QoQ |
-4.9pp | 24.6% | 22.3% | 22.2% | 34% |
| 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 |
7.7%
+1.8pp YoY +1.4pp QoQ |
-5.7pp | 13.4% | 12.6% | 12.5% | 37% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
24.8%
-3.4pp YoY -2.3pp QoQ |
-10.2pp | 35.0% | 26.7% | 31.3% | 43% |
| Consumer |
4.6%
-1.4pp YoY -0.2pp QoQ |
-3.0pp | 7.7% | 4.6% | 5.0% | 46% |
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 |
17.5%
-0.5pp YoY -0.1pp QoQ |
-0.2pp | 17.7% | 12.6% | 12.6% | 80% |
| 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
-1 (-16.7%) YoY -1 (-16.7%) QoQ |
-7 | 12 | 70 | 482 | 7% |
| Assets per Employee ($) |
$6.7M
+29.3% YoY +22.5% QoQ |
+$530K | $6.2M | $7.1M | $8.8M | 62% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-4.2pp YoY -1.7pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 8% |
| Nonaccrual |
5.4%
+4.5pp QoQ |
+3.7pp | 1.7% | 0.8% | 1.0% | 95% |
| Allowance Coverage |
0.77x
-18.9% YoY -52.8% QoQ |
-5.64x | 6.41x | 22.44x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
-0.3%
-0.4pp YoY +0.3pp QoQ |
-0.4pp | 0.2% | 0.1% | 0.2% | 4% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
+2.0pp YoY +0.9pp QoQ |
-0.4pp | 6.4% | 14.3% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.6% | 1.7% | 59% |
| Net Income ($, YTD) |
$155,000
+63.2% YoY — QoQ |
-$163K | $317,817 | $3.7M | $40.4M | 30% |
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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.