BlastPoint's Banking Scorecard
The Farmers State Bank of Westmoreland
Micro
Specialty: Agricultural
KS
FDIC cert 15164
Designations: ✓ Community bank
Westmoreland, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Farmers State Bank of Westmoreland shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$235.1M
+4.7% YoY
+0.2% QoQ
|
+$17.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$138.8M
-5.6% YoY
+4.1% QoQ
|
-$407K |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$204.2M
+4.8% YoY
+0.1% QoQ
|
+$20.5M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
0.83%
+51.5% YoY
-0.7% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.40%
+13.2% YoY
+2.2% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
65.58%
-11.5% YoY
+7.2% QoQ
|
-2.14% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
2.11%
-25.5% YoY
-17.9% QoQ
|
+1.47% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
67.96%
-9.9% YoY
+4.0% QoQ
|
-6.56% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.83%
-13.7% YoY
-5.5% QoQ
|
-3.56% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
1.24%
-32.9% YoY
-14.7% QoQ
|
+0.79% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-11.1% YoY
+36.4% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.96% · Tier avg: 74.53%
61
61th pctile
Total Deposits
Current: $204.2M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $235.1M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $138.8M · Tier avg: $139.2M
51
51th pctile
Efficiency Ratio
Current: 65.58% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 22.39%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
29
29th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.11% · Tier avg: 0.64%
Top Weaknesses
12
12th pctile
Delinquency Rate
Current: 2.11% · Tier avg: 0.64%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.24% · Tier avg: 0.45%
29
29th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.58% · Tier avg: 67.73%
57
57th pctile
Total Loans
Current: $138.8M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $235.1M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $204.2M · Tier avg: $183.7M
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.96% · Tier avg: 74.53%