BlastPoint's Banking Scorecard
The Farmers State Bank of Oakley, Kansas
Oakley, 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 +39.5% year over year ($295.1M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.32%.
- Efficiency ratio 50.74% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.25% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank of Oakley, Kansas has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 18.1% in tier
- + Efficiency Ratio 13.74% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.2% in tier
- - NIB Deposit Bleed: Bottom 28.4% in tier
- - Non-Interest Income / Assets 0.51% below tier average
- - Net Interest Margin 0.45% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$396.1M
+30.7% YoY
+1.8% QoQ
|
+$9.5M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$263.4M
+23.1% YoY
-0.0% QoQ
|
+$5.1M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$295.1M
+39.5% YoY
-1.4% QoQ
|
-$31.6M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.32%
-3.0% YoY
+2.1% QoQ
|
-0.01% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.54%
+14.0% YoY
+2.4% QoQ
|
-0.45% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
50.74%
+10.3% YoY
-0.6% QoQ
|
-13.74% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.01%
-98.1% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
Top 14.7% in tier |
| Loan-to-Deposit Ratio ? |
89.25%
-11.8% YoY
+1.4% QoQ
|
+11.30% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
6.00%
-27.7% YoY
-8.2% QoQ
|
-16.03% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.8% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-98.2% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
Top 13.4% in tier |
| Tier 1 Capital Ratio ? |
13.07%
-3.7% YoY
+3.4% QoQ
|
-2.84% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.05%
+142.4% YoY
+61.9% QoQ
|
-0.51% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 6.1% 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 |
6.0%
-2.3pp YoY -0.5pp QoQ |
-16.1pp | 22.1% | 22.3% | 22.2% | 4% |
| Brokered Deposits |
9.8%
-6.6pp YoY +0.1pp QoQ |
+2.0pp | 7.9% | 8.7% | 8.5% | 74% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.3%
+0.5pp YoY -0.4pp QoQ |
-2.2pp | 11.6% | 12.6% | 12.5% | 48% |
| CRE |
40.7%
+4.3pp YoY +2.6pp QoQ |
+1.1pp | 39.5% | 28.8% | 41.4% | 54% |
| 1-4 Family |
2.1%
+1.6pp YoY +0.5pp QoQ |
-30.6pp | 32.6% | 26.7% | 31.3% | 2% |
| Consumer |
1.3%
+0.7pp YoY -0.2pp QoQ |
-2.8pp | 4.1% | 4.6% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.1%
-0.5pp YoY +0.4pp QoQ |
-5.8pp | 18.8% | 23.3% | 19.7% | 29% |
| Leverage Ratio |
11.6%
-0.9pp YoY -0.3pp QoQ |
-0.6pp | 12.2% | 12.6% | 12.6% | 60% |
| Total Capital Ratio |
13.7%
-0.7pp YoY +0.4pp QoQ |
-6.2pp | 19.9% | 24.4% | 20.8% | 23% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+9 (+64.3%) YoY +2 (+9.5%) QoQ |
-36 | 58 | 70 | 482 | 15% |
| Assets per Employee ($) |
$17.2M
-20.4% YoY -7.1% QoQ |
+$9.7M | $7.5M | $7.1M | $8.8M | 99% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.1pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 3% |
| Allowance Coverage |
75.43x
+5202.8% QoQ |
+51.28x | 24.15x | 22.44x | 20.23x | 96% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
-0.9pp YoY +0.2pp QoQ |
-1.0pp | 12.2% | 14.3% | 11.6% | 44% |
| Cost of Funds (YTD) |
2.7%
-0.3pp YoY +0.1pp QoQ |
+1.0pp | 1.7% | 1.6% | 1.7% | 93% |
| Net Income ($, YTD) |
$2.5M
+23.8% YoY — QoQ |
-$10K | $2.6M | $3.7M | $40.4M | 63% |
Get Full Access to The Farmers State Bank of Oakley, Kansas
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.