BlastPoint's Banking Scorecard
The Farmers State Bank of Oakley, Kansas
Oakley, KS
2 branches across KS
The Farmers State Bank of Oakley, Kansas has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 14.25% below tier average
- + Delinquency Rate 0.28% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 36.9% in tier
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.47% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$389.1M
+29.4% YoY
+3.9% QoQ
|
+$3.0M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$263.5M
+22.5% YoY
+4.9% QoQ
|
+$7.8M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$299.5M
+44.0% YoY
+4.8% QoQ
|
-$28.5M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.29%
+1.7% YoY
+9.1% QoQ
|
+0.02% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.46%
+13.4% YoY
+6.8% QoQ
|
-0.47% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
51.03%
+6.3% YoY
-5.9% QoQ
|
-14.25% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.61%
+283.2% QoQ
|
-0.28% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
87.99%
-15.0% YoY
+0.0% QoQ
|
+11.35% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
6.53%
-25.9% YoY
-3.7% QoQ
|
-15.49% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.2% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+286.6% QoQ
|
-0.22% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
12.63%
-3.1% YoY
-1.7% QoQ
|
-3.20% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.03%
-57.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.2% in tier |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.