BlastPoint's Banking Scorecard
Farmers National Bank
Phillipsburg, KS
5 branches across KS
Farmers National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Efficiency Ratio 12.41% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 21.2% in tier
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.1M
+5.1% YoY
+4.9% QoQ
|
-$210.0M |
$386.1M
+0.5% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$81.7M
-1.2% YoY
-6.2% QoQ
|
-$174.0M |
$255.7M
+1.1% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.9% in tier |
| Total Deposits ? |
$140.8M
+4.7% YoY
+5.6% QoQ
|
-$187.2M |
$328.0M
+0.1% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.52%
+4.9% YoY
+11.4% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.65%
+2.7% YoY
-3.9% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
52.87%
-7.7% YoY
-4.2% QoQ
|
-12.41% |
65.29%
-4.5% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
0.47%
-19.0% YoY
+4.7% QoQ
|
-0.41% |
0.89%
+18.8% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
58.04%
-5.6% YoY
-11.2% QoQ
|
-18.59% |
76.64%
+0.8% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
28.58%
+6.3% YoY
-2.3% QoQ
|
+6.56% |
22.02%
-1.0% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.22%
-23.8% YoY
-6.4% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
36.28%
+13.8% YoY
+11.3% QoQ
|
+20.45% |
15.83%
+1.5% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Top 2.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
+2.7% YoY
-76.7% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
37% |
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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.