BlastPoint's Banking Scorecard
Farmers State Bank, Allen, Oklahoma
Designations: ✓ Community bank
Allen, OK
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 39 in OK.
- Deposits -0.2% year over year ($48.6M on the books).
- Delinquency rate 0.62%.
- Return on assets 2.17%.
- Efficiency ratio 56.43% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.58% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank, Allen, Oklahoma demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.17% above tier average
- + Net Interest Margin 1.52% above tier average
- + Efficiency Ratio 62.97% below tier average
- + Delinquency Rate 0.86% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.2M
+0.7% YoY
+2.3% QoQ
|
-$5.2M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$40.2M
-1.6% YoY
+0.9% QoQ
|
+$5.3M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$48.6M
-0.2% YoY
+2.3% QoQ
|
-$3.0M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
2.17%
+9.6% YoY
+7.3% QoQ
|
+1.17% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 8.4% in tier |
| Net Interest Margin ? |
5.43%
+1.5% YoY
+0.1% QoQ
|
+1.52% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 5.8% in tier |
| Efficiency Ratio ? |
56.43%
+3.4% YoY
-3.7% QoQ
|
-62.97% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
0.62%
+33.2% YoY
-78.7% QoQ
|
-0.86% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
82.58%
-1.4% YoY
-1.3% QoQ
|
+8.37% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
30.61%
-2.3% YoY
+5.1% QoQ
|
+7.12% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.44%
+30.1% YoY
-79.0% QoQ
|
-0.40% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.52%
-20.3% YoY
-0.1% QoQ
|
-13.61% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.18%
-8.6% YoY
+86.6% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
68% |
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.6%
-0.7pp YoY +1.5pp QoQ |
+6.0pp | 24.6% | 23.9% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.0%
-0.8pp YoY 0.0pp QoQ |
+4.6pp | 13.4% | 15.7% | 12.5% | 75% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
32.3%
+1.6pp YoY +0.4pp QoQ |
-2.6pp | 35.0% | 24.0% | 31.3% | 52% |
| Consumer |
19.1%
+0.7pp YoY +1.1pp QoQ |
+11.5pp | 7.7% | 5.6% | 5.0% | 93% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
13.5%
+0.6pp YoY 0.0pp QoQ |
-4.2pp | 17.7% | 11.7% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
+1 (+11.1%) YoY +1 (+11.1%) QoQ |
-2 | 12 | 150 | 482 | 43% |
| Assets per Employee ($) |
$5.7M
-9.3% YoY -7.9% QoQ |
-$466K | $6.2M | $6.5M | $8.8M | 45% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -2.3pp QoQ |
-0.9pp | 1.0% | 0.9% | 0.4% | 6% |
| Nonaccrual |
0.6%
+0.1pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.5% | 1.0% | 46% |
| Allowance Coverage |
2.53x
-6.6% YoY +380.3% QoQ |
-3.88x | 6.41x | 61.99x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.0%
-0.6pp YoY |
-0.1pp | 0.2% | 0.2% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.1%
+0.7pp YoY +1.1pp QoQ |
+9.7pp | 6.4% | 11.9% | 11.6% | 87% |
| Cost of Funds (YTD) |
0.9%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.8% | 1.7% | 24% |
| Net Income ($, YTD) |
$606,000
+11.8% YoY — QoQ |
+$288K | $317,817 | $8.7M | $40.4M | 83% |
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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.