BlastPoint's Banking Scorecard
The Farmers State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 15853
Designations: ✓ Community bank
Fairview, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Farmers State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.76% above tier
- - Nonperforming Asset Ratio 1.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$26.6M
-0.2% YoY
+6.9% QoQ
|
-$190.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$13.8M
+3.0% YoY
+5.1% QoQ
|
-$125.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$23.6M
+18.8% YoY
+19.2% QoQ
|
-$160.1M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.74%
+34.3% YoY
-16.5% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
3.60%
+17.0% YoY
+1.4% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
76.05%
-7.4% YoY
+3.3% QoQ
|
+8.32% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
3.40%
+656.3% QoQ
|
+2.76% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
58.56%
-13.3% YoY
-11.8% QoQ
|
-15.96% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
24.75%
+7.1% YoY
-2.7% QoQ
|
+2.36% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
1.76%
+643.5% QoQ
|
+1.31% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
13.83%
+6.1% YoY
-7.2% QoQ
|
+4.97% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.13%
-14.5% YoY
+12.9% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.40%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.45%, National avg: 0.48%)
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
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.56% · Tier avg: 74.53%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.83% · Tier avg: 8.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.75% · Tier avg: 22.39%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
31
31th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
27
27th pctile
Efficiency Ratio
Current: 76.05% · Tier avg: 67.73%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
4
4th pctile
Total Loans
Current: $13.8M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $23.6M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $26.6M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 3.40% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.40% · Tier avg: 0.64%
2
2th pctile
Total Assets
Current: $26.6M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $23.6M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $13.8M · Tier avg: $139.2M
9
9th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.45%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
27
27th pctile
Efficiency Ratio
Current: 76.05% · Tier avg: 67.73%
31
31th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 24.75% · Tier avg: 22.39%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.83% · Tier avg: 8.85%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.56% · Tier avg: 74.53%