BlastPoint's Banking Scorecard
The Farmers State Bank
Micro
Specialty: Agricultural
KS
FDIC cert 17632
Designations: ✓ Community bank
Dwight, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Farmers State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.04% below tier
- - Efficiency Ratio 30.93% above tier
- - Loan-to-Deposit Ratio 34.31% below tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.5M
+24.7% YoY
-1.6% QoQ
|
-$197.0M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$7.4M
+2.3% YoY
+13.4% QoQ
|
-$131.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$18.4M
+28.1% YoY
-1.2% QoQ
|
-$165.2M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.05%
-60.7% YoY
-95.7% QoQ
|
-1.04% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.58%
+2.5% YoY
-1.0% QoQ
|
-0.28% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
98.66%
+2.3% YoY
+43.7% QoQ
|
+30.93% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
2.10%
-44.5% YoY
-63.9% QoQ
|
+1.46% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
40.22%
-20.1% YoY
+14.8% QoQ
|
-34.31% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.73%
+4.9% YoY
+2.5% QoQ
|
-1.66% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.76%
-54.5% YoY
-58.4% QoQ
|
+0.31% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
26% |
| 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 ? |
0.05%
-38.3% YoY
+12.9% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
98.66%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.22%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.73% · Tier avg: 22.39%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
12
12th pctile
Delinquency Rate
Current: 2.10% · Tier avg: 0.64%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.22% · Tier avg: 74.53%
5
5th pctile
Efficiency Ratio
Current: 98.66% · Tier avg: 67.73%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
2
2th pctile
Total Loans
Current: $7.4M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $18.4M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $20.5M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $20.5M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $18.4M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $7.4M · Tier avg: $139.2M
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
5
5th pctile
Efficiency Ratio
Current: 98.66% · Tier avg: 67.73%
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.22% · Tier avg: 74.53%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
12
12th pctile
Delinquency Rate
Current: 2.10% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.76% · Tier avg: 0.45%
38
38th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.73% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%