BlastPoint's Banking Scorecard

Farmers State Bank

$100M-$1B Specialty: Commercial TX FDIC cert 13407

Center, TX

8 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Farmers State Bank has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 26.7% in tier
+ Deposit Franchise: Top 32.3% in tier
+ Revenue Diversifier: Top 38.6% in tier
+ Efficiency Ratio 9.72% below tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 47.6% in tier

Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$389.1M +5.7% YoY -3.7% QoQ	+$3.0M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$235.9M +14.6% YoY -1.7% QoQ	-$19.8M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$332.9M +5.8% YoY -4.3% QoQ	+$4.9M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	60%
Return on Assets ?	2.23% +19.0% YoY +19.1% QoQ	+0.97%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 8.1% in tier
Net Interest Margin ?	4.67% -2.8% YoY -4.4% QoQ	+0.74%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 13.7% in tier
Efficiency Ratio ?	55.57% -11.4% YoY -11.6% QoQ	-9.72%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.50% -35.0% YoY -27.4% QoQ	-0.39%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	70.87% +8.4% YoY +2.7% QoQ	-5.77%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	39.72% +5.4% YoY -8.2% QoQ	+17.70%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 5.0% in tier
Nonperforming Asset Ratio ?	0.55% -31.7% YoY -19.4% QoQ	-0.09%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	35%
Tier 1 Capital Ratio ?	20.40% -13.4% YoY +3.9% QoQ	+4.57%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	Top 12.6% in tier
Non-Interest Income / Assets ?	0.17% +26.9% YoY -62.4% QoQ	-0.11%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (3)

Profitability Leader

growth

#179 of 666 • Top 26.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.23%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#89 of 272 • Top 32.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.72%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.67%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#258 of 666 • Top 38.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.23%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#353 of 739 • Bottom 47.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.40%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 70.87%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

134

Non-Interest-Bearing Deposit Share

funding

Value: 39.72%

Peer Median: 22.02%

#134 of 2664 Top 5.0% in $100M-$1B

218

Return on Assets

profitability

Value: 2.23%

Peer Median: 1.27%

#218 of 2664 Top 8.1% in $100M-$1B

337

Tier 1 Capital Ratio

capital

Value: 20.40%

Peer Median: 15.83%

#337 of 2664 Top 12.6% in $100M-$1B

366

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.93%

#366 of 2664 Top 13.7% in $100M-$1B

544

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#544 of 2664 Top 20.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available