BlastPoint's Banking Scorecard
The Farmers State Bank of Oakley, Kansas
Micro
Specialty: Agricultural
KS
FDIC cert 1867
Designations: ✓ Community bank
Oakley, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
The Farmers State Bank of Oakley, Kansas 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
- - Non-Interest-Bearing Deposit Share 15.61% below tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$374.4M
+23.0% YoY
-0.4% QoQ
|
+$156.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$251.3M
+13.0% YoY
-0.6% QoQ
|
+$112.1M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$285.7M
+41.3% YoY
+2.8% QoQ
|
+$102.0M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.18%
-10.5% YoY
-13.2% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.24%
+4.7% YoY
+5.7% QoQ
|
-0.62% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
54.22%
+14.1% YoY
+20.7% QoQ
|
-13.51% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.16%
+580.8% YoY
-80.6% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
87.96%
-20.0% YoY
-3.3% QoQ
|
+13.43% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
6.78%
-41.8% YoY
+1.7% QoQ
|
-15.61% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+525.3% YoY
-80.6% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.85%
-1.4% YoY
+1.5% QoQ
|
+4.00% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.07%
-18.1% YoY
+74.6% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Micro
Why this stands out
Current:
6.78%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 5%
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
85
85th pctile
Total Loans
Current: $251.3M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $374.4M · Tier avg: $217.5M
83
83th pctile
Efficiency Ratio
Current: 54.22% · Tier avg: 67.73%
79
79th pctile
Total Deposits
Current: $285.7M · Tier avg: $183.7M
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.96% · Tier avg: 74.53%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.85% · Tier avg: 8.85%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.78% · Tier avg: 22.39%
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 6.78% · Tier avg: 22.39%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.85% · Tier avg: 8.85%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
73
73th pctile
Loan-to-Deposit Ratio
Current: 87.96% · Tier avg: 74.53%
79
79th pctile
Total Deposits
Current: $285.7M · Tier avg: $183.7M
83
83th pctile
Efficiency Ratio
Current: 54.22% · Tier avg: 67.73%
84
84th pctile
Total Assets
Current: $374.4M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $251.3M · Tier avg: $139.2M