BlastPoint's Banking Scorecard
The Farmers State Bank of Aliceville, Kansas
Micro
Specialty: Agricultural
KS
FDIC cert 18120
Designations: ✓ Community bank
Westphalia, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Farmers State Bank of Aliceville, Kansas faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - 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 ? |
$176.8M
+4.4% YoY
+3.4% QoQ
|
-$40.7M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$122.3M
+2.4% YoY
+1.9% QoQ
|
-$16.9M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$142.4M
+4.5% YoY
+4.3% QoQ
|
-$41.2M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.86%
-18.6% YoY
-25.4% QoQ
|
-0.23% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
4.36%
-3.7% YoY
-0.8% QoQ
|
+0.51% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
75.39%
+14.2% YoY
+10.8% QoQ
|
+7.66% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.22%
-57.1% YoY
-72.8% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
85.87%
-2.0% YoY
-2.4% QoQ
|
+11.34% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
14.25%
+12.7% YoY
-0.6% QoQ
|
-8.15% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.32%
-14.2% YoY
-45.4% QoQ
|
-0.14% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| 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%
-22.6% YoY
+28.9% 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 (1)
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
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
51
51th pctile
Total Loans
Current: $122.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
45
45th pctile
Total Assets
Current: $176.8M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $142.4M · Tier avg: $183.7M
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.87% · Tier avg: 74.53%
28
28th pctile
Efficiency Ratio
Current: 75.39% · Tier avg: 67.73%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.25% · Tier avg: 22.39%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.25% · Tier avg: 22.39%
28
28th pctile
Efficiency Ratio
Current: 75.39% · Tier avg: 67.73%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.87% · Tier avg: 74.53%
37
37th pctile
Return on Assets
Current: 0.86% · Tier avg: 1.08%
43
43th pctile
Total Deposits
Current: $142.4M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $176.8M · Tier avg: $217.5M
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Loans
Current: $122.3M · Tier avg: $139.2M
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
74
74th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%