BlastPoint's Banking Scorecard
Farmers State Bank, Allen, Oklahoma
Designations: ✓ Community bank
Allen, OK
Farmers State Bank, Allen, Oklahoma has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.19% above tier average
- + Net Interest Margin 1.57% above tier average
- + Efficiency Ratio 29.72% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.9M
+1.9% YoY
+2.8% QoQ
|
-$6.2M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$39.8M
-3.9% YoY
-1.4% QoQ
|
+$5.5M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$47.5M
+1.2% YoY
+3.0% QoQ
|
-$4.2M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
40% |
| Return on Assets ? |
2.02%
-12.4% YoY
-6.6% QoQ
|
+1.19% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 9.6% in tier |
| Net Interest Margin ? |
5.43%
+2.2% YoY
-0.6% QoQ
|
+1.57% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 5.4% in tier |
| Efficiency Ratio ? |
58.63%
+6.0% YoY
+8.5% QoQ
|
-29.72% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
2.91%
+216.9% YoY
+379.2% QoQ
|
+1.54% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 12.7% in tier |
| Loan-to-Deposit Ratio ? |
83.70%
-5.0% YoY
-4.2% QoQ
|
+19.49% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
29.13%
-1.3% YoY
-0.6% QoQ
|
+5.42% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
2.07%
+199.0% YoY
+359.6% QoQ
|
+1.28% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.2% in tier |
| Tier 1 Capital Ratio ? |
13.53%
+3.7% YoY
+2.2% QoQ
|
-13.15% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.10%
-1.9% YoY
-83.8% QoQ
|
-0.57% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
70% |
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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.