BlastPoint's Banking Scorecard
The Farmers State Bank of Aliceville, Kansas
Westphalia, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +5.3% year over year ($143.7M on the books).
- Delinquency rate 1.07%.
- Return on assets 1.63%.
- Efficiency ratio 47.28% vs a 64.48% peer average.
- Loan-to-deposit ratio 85.26% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank of Aliceville, Kansas has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.15% above tier average
- + Efficiency Ratio 17.20% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 12.3% in tier
- - Liquidity Overhang: Bottom 33.4% in tier
- - Margin Compression: Bottom 36.8% in tier
- - Credit Quality Pressure: Bottom 43.1% in tier
- - Non-Interest Income / Assets 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$179.6M
+4.9% YoY
+0.2% QoQ
|
-$207.0M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$122.5M
-1.6% YoY
-1.4% QoQ
|
-$135.8M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$143.7M
+5.3% YoY
+0.0% QoQ
|
-$183.0M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.63%
-22.8% YoY
-26.8% QoQ
|
+0.31% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
4.14%
-5.6% YoY
-0.3% QoQ
|
+0.15% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
47.28%
+18.2% YoY
+64.8% QoQ
|
-17.20% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 12.0% in tier |
| Delinquency Rate ? |
1.07%
+9.8% YoY
+2.1% QoQ
|
+0.15% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
85.26%
-6.6% YoY
-1.4% QoQ
|
+7.30% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
16.13%
+14.5% YoY
+7.4% QoQ
|
-5.90% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.89%
+25.3% YoY
+0.4% QoQ
|
+0.22% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
19.24%
-1.3% YoY
+2.0% QoQ
|
+3.33% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
85% |
| Non-Interest Income / Assets ? |
0.06%
+157.1% YoY
+328.8% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.5% 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 |
16.1%
+2.0pp YoY +1.1pp QoQ |
-6.0pp | 22.1% | 22.3% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
4.7%
-0.2pp YoY -0.7pp QoQ |
-6.9pp | 11.6% | 12.6% | 12.5% | 18% |
| CRE |
8.6%
0.0pp YoY +0.1pp QoQ |
-30.9pp | 39.5% | 28.8% | 41.4% | 3% |
| 1-4 Family |
28.3%
+4.3pp YoY +1.3pp QoQ |
-4.3pp | 32.6% | 26.7% | 31.3% | 48% |
| Consumer |
5.4%
-0.1pp YoY 0.0pp QoQ |
+1.2pp | 4.1% | 4.6% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
19.2%
-0.2pp YoY +0.4pp QoQ |
+7.1pp | 12.2% | 12.6% | 12.6% | 96% |
| Total Capital Ratio | n/a | n/a | 19.9% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
0 YoY 0 QoQ |
-37 | 58 | 70 | 482 | 14% |
| Assets per Employee ($) |
$8.2M
+4.9% YoY +0.2% QoQ |
+$644K | $7.5M | $7.1M | $8.8M | 70% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+0.3pp YoY 0.0pp QoQ |
+0.7pp | 0.3% | 0.4% | 0.4% | 92% |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
1.44x
-6.4% YoY -0.7% QoQ |
-22.71x | 24.15x | 22.44x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
-2.5pp YoY -3.2pp QoQ |
-3.7pp | 12.2% | 14.3% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.6% | 1.7% | 56% |
| Net Income ($, YTD) |
$1.5M
-19.5% YoY — QoQ |
-$1.1M | $2.6M | $3.7M | $40.4M | 41% |
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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 (4)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.