BlastPoint's Banking Scorecard
Farmers National Bank
Phillipsburg, KS
5 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 +7.4% year over year ($136.7M on the books).
- Delinquency rate 0.42%.
- Return on assets 1.33%.
- Efficiency ratio 50.78% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.70% below tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20.8% in tier
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.5M
+7.3% YoY
-2.0% QoQ
|
-$214.0M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$83.4M
-0.2% YoY
+2.0% QoQ
|
-$175.0M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.9% in tier |
| Total Deposits ? |
$136.7M
+7.4% YoY
-2.9% QoQ
|
-$190.1M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.33%
-3.4% YoY
-12.8% QoQ
|
+0.00% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
3.67%
+0.0% YoY
+0.5% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
50.78%
-4.5% YoY
-4.0% QoQ
|
-13.70% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.42%
-22.5% YoY
-10.9% QoQ
|
-0.50% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
61.01%
-7.1% YoY
+5.1% QoQ
|
-16.94% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
26.68%
+7.8% YoY
-6.6% QoQ
|
+4.65% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.20%
-27.9% YoY
-7.2% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
36.53%
+10.8% YoY
+0.7% QoQ
|
+20.62% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
Top 2.3% in tier |
| Non-Interest Income / Assets ? |
0.17%
-2.4% YoY
+116.9% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
26.7%
+1.9pp YoY -1.9pp QoQ |
+4.5pp | 22.1% | 22.3% | 22.2% | 72% |
| 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 |
15.5%
+1.1pp YoY +0.1pp QoQ |
+4.0pp | 11.6% | 12.6% | 12.5% | 78% |
| CRE | n/a | n/a | 39.5% | 28.8% | 41.4% | n/a |
| 1-4 Family |
15.8%
+1.5pp YoY -0.6pp QoQ |
-16.9pp | 32.6% | 26.7% | 31.3% | 21% |
| Consumer |
3.9%
-0.4pp YoY +0.2pp QoQ |
-0.3pp | 4.1% | 4.6% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
36.5%
+3.6pp YoY +0.2pp QoQ |
+17.7pp | 18.8% | 23.3% | 19.7% | 96% |
| Leverage Ratio |
19.6%
+0.1pp YoY +0.1pp QoQ |
+7.5pp | 12.2% | 12.6% | 12.6% | 96% |
| Total Capital Ratio |
37.8%
+3.6pp YoY +0.2pp QoQ |
+17.8pp | 19.9% | 24.4% | 20.8% | 96% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
-1 (-4.0%) YoY 0 QoQ |
-35 | 58 | 70 | 482 | 17% |
| Assets per Employee ($) |
$7.2M
+11.8% YoY -2.0% QoQ |
-$330K | $7.5M | $7.1M | $8.8M | 56% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 6 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.4%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 0.8% | 1.0% | 48% |
| Allowance Coverage |
4.57x
+31.4% YoY +10.0% QoQ |
-19.58x | 24.15x | 22.44x | 20.23x | 68% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.6%
-0.3pp YoY -1.0pp QoQ |
-5.6pp | 12.2% | 14.3% | 11.6% | 19% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.6% | 1.7% | 21% |
| Net Income ($, YTD) |
$1.1M
+1.8% YoY — QoQ |
-$1.4M | $2.6M | $3.7M | $40.4M | 31% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.