BlastPoint's Banking Scorecard
Farmers Bank
Greenwood, AR
10 branches across AR
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in AR.
- Deposits -1.0% year over year ($247.9M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.16%.
- Efficiency ratio 70.70% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.00% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 48.6% in tier
- - ROA 0.16% below tier average
- - Efficiency Ratio 6.22% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$288.7M
+0.4% YoY
+0.7% QoQ
|
-$97.8M |
$386.6M
+1.2% YoY
|
$2.4B
+2.9% YoY
|
$6.3B
+7.7% YoY
|
44% |
| Total Loans ? |
$163.6M
+5.1% YoY
+0.1% QoQ
|
-$94.8M |
$258.3M
+1.7% YoY
|
$1.7B
+5.8% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$247.9M
-1.0% YoY
+0.5% QoQ
|
-$78.9M |
$326.7M
+0.7% YoY
|
$2.0B
+2.5% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.16%
+16.1% YoY
+13.2% QoQ
|
-0.16% |
1.32%
+10.8% YoY
|
1.32%
+8.9% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.10%
+11.8% YoY
+1.1% QoQ
|
+0.11% |
3.99%
+5.0% YoY
|
4.10%
+6.0% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
70.70%
-2.9% YoY
-3.8% QoQ
|
+6.22% |
64.48%
-3.2% YoY
|
61.09%
-4.5% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.20%
-42.5% YoY
-69.9% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
1.05%
+22.1% YoY
|
0.98%
+16.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
66.00%
+6.1% YoY
-0.5% QoQ
|
-11.95% |
77.95%
+1.0% YoY
|
82.37%
+1.8% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
26.99%
+5.3% YoY
+2.6% QoQ
|
+4.96% |
22.03%
-0.6% YoY
|
19.62%
+0.3% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.11%
-39.9% YoY
-70.1% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.84%
+30.0% YoY
|
0.69%
+15.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
16.23%
+1.7% YoY
+2.7% QoQ
|
+0.32% |
15.91%
+1.4% YoY
|
13.64%
+0.9% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.43%
-1.4% YoY
+104.1% QoQ
|
-0.14% |
0.57%
+7.6% YoY
|
0.36%
-4.6% YoY
|
0.66%
+5.2% YoY
|
Top 12.4% in tier |
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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.0%
+1.4pp YoY +0.7pp QoQ |
+4.8pp | 22.1% | 19.6% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.6%
0.0pp YoY -0.4pp QoQ |
0.0pp | 11.6% | 12.7% | 12.5% | 61% |
| CRE |
27.3%
+0.6pp YoY +0.5pp QoQ |
-12.2pp | 39.5% | 41.0% | 41.4% | 30% |
| 1-4 Family |
51.9%
+0.6pp YoY +0.1pp QoQ |
+19.3pp | 32.6% | 28.1% | 31.3% | 84% |
| Consumer |
7.0%
-0.8pp YoY -0.2pp QoQ |
+2.9pp | 4.1% | 4.5% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
16.2%
+0.3pp YoY +0.4pp QoQ |
+4.1pp | 12.2% | 11.9% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
59
-2 (-3.3%) YoY -2 (-3.3%) QoQ |
+0 | 58 | 315 | 482 | 62% |
| Assets per Employee ($) |
$4.9M
+3.8% YoY +4.2% QoQ |
-$2.6M | $7.5M | $6.7M | $8.8M | 13% |
| Branch Count |
10
0 YoY 0 QoQ |
+5 | 4 | 25 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp YoY -0.5pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.4% | 60% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.1% | 1.0% | 10% |
| Allowance Coverage |
3.70x
+60.1% YoY +230.3% QoQ |
-20.46x | 24.15x | 4.69x | 20.23x | 63% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.5%
+0.6pp YoY +1.0pp QoQ |
-3.7pp | 12.2% | 12.3% | 11.6% | 28% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 2.0% | 1.7% | 21% |
| Net Income ($, YTD) |
$1.7M
+18.2% YoY — QoQ |
-$888K | $2.6M | $16.0M | $40.4M | 46% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.