BlastPoint's Banking Scorecard
Farmers State Bank
Cameron, MO
9 branches across MO
Farmers State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.27% below tier average
- + Delinquency Rate 0.38% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 37.5% in tier
- - Flatlined Growth: Bottom 46.9% in tier
- - ROA 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.6M
+0.7% YoY
-2.4% QoQ
|
-$2.5M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$292.3M
+0.2% YoY
-0.6% QoQ
|
+$36.5M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$342.3M
+0.8% YoY
-2.8% QoQ
|
+$14.3M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.07%
+19.5% YoY
+17.5% QoQ
|
-0.20% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.88%
+3.2% YoY
+2.4% QoQ
|
-0.05% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
65.01%
-7.3% YoY
-6.6% QoQ
|
-0.27% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.51%
+72.0% YoY
-6.0% QoQ
|
-0.38% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
85.38%
-0.6% YoY
+2.3% QoQ
|
+8.74% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
19.00%
+2.7% YoY
+0.7% QoQ
|
-3.02% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.39%
+71.1% YoY
-4.3% QoQ
|
-0.25% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
14.03%
+6.3% YoY
+3.2% QoQ
|
-1.80% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.10%
+3.7% YoY
-74.1% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.