BlastPoint's Banking Scorecard
Farmers State Bank of Canton
Designations: ✓ Community bank
Canton, SD
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +3.7% year over year ($68.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.62%.
- Efficiency ratio 77.59% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Canton has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 41.81% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.38% below tier average
- - Net Interest Margin 0.97% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.6M
+6.8% YoY
+0.3% QoQ
|
+$19.2M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$43.4M
+7.0% YoY
+2.2% QoQ
|
+$8.5M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$68.4M
+3.7% YoY
-2.6% QoQ
|
+$16.8M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
0.62%
+150.2% YoY
+29.8% QoQ
|
-0.38% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
2.94%
+10.6% YoY
+5.5% QoQ
|
-0.97% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio ? |
77.59%
-12.6% YoY
-5.0% QoQ
|
-41.81% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
63.44%
+3.1% YoY
+4.9% QoQ
|
-10.77% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
16.85%
+5.2% YoY
+9.4% QoQ
|
-6.64% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.42%
-1.2% YoY
+0.7% QoQ
|
-11.70% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.13%
-7.2% YoY
+74.9% QoQ
|
-1.25% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.9%
+0.8pp YoY +1.4pp QoQ |
-7.8pp | 24.6% | 23.5% | 22.2% | 25% |
| Brokered Deposits |
19.0%
+5.4pp YoY -1.1pp QoQ |
+9.2pp | 9.8% | 8.7% | 8.5% | 81% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.7%
+1.6pp YoY +0.3pp QoQ |
-7.7pp | 13.4% | 14.1% | 12.5% | 24% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
49.4%
+0.5pp YoY +0.7pp QoQ |
+14.4pp | 35.0% | 14.9% | 31.3% | 71% |
| Consumer |
5.0%
-0.2pp YoY -0.4pp QoQ |
-2.7pp | 7.7% | 8.5% | 5.0% | 50% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.4%
-0.2pp YoY +0.1pp QoQ |
-23.3pp | 38.7% | 17.6% | 19.7% | 25% |
| Leverage Ratio |
8.7%
0.0pp YoY +0.2pp QoQ |
-9.0pp | 17.7% | 11.9% | 12.6% | 7% |
| Total Capital Ratio |
16.0%
-0.2pp YoY +0.1pp QoQ |
-23.7pp | 39.7% | 18.8% | 20.8% | 22% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 6,279 | 482 | 43% |
| Assets per Employee ($) |
$8.2M
+6.8% YoY +0.3% QoQ |
+$2.0M | $6.2M | $8.1M | $8.8M | 81% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 96.54x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
+4.5pp YoY +1.7pp QoQ |
+1.4pp | 6.4% | 12.4% | 11.6% | 48% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.7% | 1.7% | 82% |
| Net Income ($, YTD) |
$254,000
+176.1% YoY — QoQ |
-$64K | $317,817 | $418.8M | $40.4M | 44% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.