BlastPoint's Banking Scorecard
Farmers National Bank
Micro
Specialty: Agricultural
KS
FDIC cert 4611
Designations: ✓ Community bank
Phillipsburg, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Farmers National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 23.75% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.9M
+3.8% YoY
+4.0% QoQ
|
-$49.6M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$87.1M
+3.6% YoY
-1.1% QoQ
|
-$52.0M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$133.4M
+3.1% YoY
+4.9% QoQ
|
-$50.3M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.37%
+34.2% YoY
-5.1% QoQ
|
+0.28% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.80%
+8.6% YoY
+0.9% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
55.22%
-0.1% YoY
+5.1% QoQ
|
-12.51% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.45%
-25.6% YoY
-6.9% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
65.34%
+0.5% YoY
-5.7% QoQ
|
-9.18% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
29.25%
+7.4% YoY
+11.6% QoQ
|
+6.86% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.23%
-25.7% YoY
-11.5% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
32.60%
+5.2% YoY
+1.0% QoQ
|
+23.75% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.33%
+75.7% YoY
+28.2% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
32.60%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
97
97th pctile
Tier 1 Capital Ratio
Current: 32.60% · Tier avg: 8.85%
80
80th pctile
Efficiency Ratio
Current: 55.22% · Tier avg: 67.73%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 22.39%
69
69th pctile
Loan-to-Deposit Ratio
Current: 65.34% · Tier avg: 74.53%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
43
43th pctile
Total Assets
Current: $167.9M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $133.4M · Tier avg: $183.7M
38
38th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
Top Weaknesses
38
38th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
40
40th pctile
Total Deposits
Current: $133.4M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $167.9M · Tier avg: $217.5M
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
47
47th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
69
69th pctile
Loan-to-Deposit Ratio
Current: 65.34% · Tier avg: 74.53%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.25% · Tier avg: 22.39%
80
80th pctile
Efficiency Ratio
Current: 55.22% · Tier avg: 67.73%
97
97th pctile
Tier 1 Capital Ratio
Current: 32.60% · Tier avg: 8.85%