BlastPoint's Banking Scorecard
The Farmers State Bank of Blue Mound
Micro
Specialty: Agricultural
KS
FDIC cert 17629
Designations: ✓ Community bank
Blue Mound, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Farmers State Bank of Blue Mound 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
- - Net Interest Margin 2.59% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$52.7M
-8.6% YoY
+6.3% QoQ
|
-$164.8M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$41.7M
+23.3% YoY
+21.6% QoQ
|
-$97.4M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$46.0M
-6.5% YoY
+2.2% QoQ
|
-$137.7M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.23%
-82.7% YoY
-42.9% QoQ
|
-0.86% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
1.27%
-74.7% YoY
-74.5% QoQ
|
-2.59% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
75.76%
+4.1% YoY
+3.0% QoQ
|
+8.04% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.10%
+90.8% YoY
+82.7% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
90.73%
+31.8% YoY
+19.0% QoQ
|
+16.20% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
29.45%
-15.3% YoY
+3.9% QoQ
|
+7.06% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.08%
+157.4% YoY
+109.0% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.07%
-91.3% YoY
-78.9% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.27%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
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
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.73% · Tier avg: 74.53%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.45% · Tier avg: 22.39%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Efficiency Ratio
Current: 75.76% · Tier avg: 67.73%
16
16th pctile
Total Loans
Current: $41.7M · Tier avg: $139.2M
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
9
9th pctile
Total Deposits
Current: $46.0M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $52.7M · Tier avg: $217.5M
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.27% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.27% · Tier avg: 3.85%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
8
8th pctile
Total Assets
Current: $52.7M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $46.0M · Tier avg: $183.7M
11
11th pctile
Return on Assets
Current: 0.23% · Tier avg: 1.08%
16
16th pctile
Total Loans
Current: $41.7M · Tier avg: $139.2M
27
27th pctile
Efficiency Ratio
Current: 75.76% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.45% · Tier avg: 22.39%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.73% · Tier avg: 74.53%