BlastPoint's Banking Scorecard
Farmers State Bank
Groesbeck, TX
6 branches across TX
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 219 in TX.
- Deposits +6.9% year over year ($176.8M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.55%.
- Efficiency ratio 68.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 51.95% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13.5% in tier
- + Deposit Franchise: Top 43.2% in tier
- + ROA 0.23% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.9% in tier
- - Capital Thin: Bottom 44.8% in tier
- - Margin Compression: Bottom 73.0% in tier
- - Efficiency Ratio 3.85% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.0M
+6.9% YoY
+0.3% QoQ
|
-$190.5M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$91.8M
-16.7% YoY
+3.9% QoQ
|
-$166.5M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$176.8M
+6.9% YoY
+0.3% QoQ
|
-$150.0M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
29% |
| Return on Assets ? |
1.55%
-7.3% YoY
+1.9% QoQ
|
+0.23% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
4.54%
-4.8% YoY
+0.6% QoQ
|
+0.56% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
68.33%
+1.4% YoY
+5.5% QoQ
|
+3.85% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
0.04%
+3.0% YoY
-6.4% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
51.95%
-22.1% YoY
+3.6% QoQ
|
-26.00% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.69%
+2.9% YoY
+0.3% QoQ
|
+26.66% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 1.7% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-19.8% YoY
-3.0% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
9.39%
-2.4% YoY
-0.6% QoQ
|
-6.51% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.1% in tier |
| Non-Interest Income / Assets ? |
0.35%
-2.0% YoY
+92.4% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
79% |
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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
48.7%
+1.4pp YoY +0.1pp QoQ |
+26.5pp | 22.1% | 29.2% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.0%
-1.1pp YoY +1.2pp QoQ |
-2.6pp | 11.6% | 14.8% | 12.5% | 46% |
| CRE |
34.8%
-5.1pp YoY +0.1pp QoQ |
-4.7pp | 39.5% | 48.4% | 41.4% | 43% |
| 1-4 Family |
21.8%
+2.6pp YoY -0.5pp QoQ |
-10.8pp | 32.6% | 25.8% | 31.3% | 34% |
| Consumer |
6.1%
+1.0pp YoY -0.5pp QoQ |
+2.0pp | 4.1% | 4.7% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
9.4%
-0.2pp YoY -0.1pp QoQ |
-2.8pp | 12.2% | 12.6% | 12.6% | 19% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
0 YoY -4 (-9.8%) QoQ |
-22 | 58 | 186 | 482 | 37% |
| Assets per Employee ($) |
$5.3M
+6.9% YoY +11.1% QoQ |
-$2.2M | $7.5M | $10.1M | $8.8M | 19% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 12 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.3% | 0.4% | 4% |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 9% |
| Allowance Coverage |
31.47x
+28.2% YoY +2.6% QoQ |
+7.32x | 24.15x | 18.82x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.1%
-2.3pp YoY +0.6pp QoQ |
+4.9pp | 12.2% | 13.2% | 11.6% | 78% |
| Cost of Funds (YTD) |
0.6%
+0.1pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.6% | 1.7% | 3% |
| Net Income ($, YTD) |
$1.5M
-2.2% YoY — QoQ |
-$1.1M | $2.6M | $15.9M | $40.4M | 41% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.