BlastPoint's Banking Scorecard
Farmers State Bank
Groesbeck, TX
6 branches across TX
Farmers State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 13.7% in tier
- + Deposit Franchise: Top 41.2% in tier
- + ROA 0.25% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.6% in tier
- - Margin Compression: Bottom 74.8% in tier
- - Efficiency Ratio 3.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.5M
+8.1% YoY
+8.1% QoQ
|
-$190.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
25% |
| Total Loans ? |
$88.4M
-18.0% YoY
-5.9% QoQ
|
-$167.4M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.9% in tier |
| Total Deposits ? |
$176.2M
+7.7% YoY
+9.2% QoQ
|
-$151.8M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.52%
-6.7% YoY
-10.7% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
4.52%
-3.5% YoY
-6.0% QoQ
|
+0.58% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
82% |
| Efficiency Ratio ? |
69.05%
+1.9% YoY
+2.9% QoQ
|
+3.77% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
0.04%
+7.4% YoY
+0.8% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
50.15%
-23.8% YoY
-13.8% QoQ
|
-26.49% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 9.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.55%
-0.3% YoY
+1.5% QoQ
|
+26.53% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 1.8% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-18.5% YoY
-12.2% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
9.45%
+0.9% YoY
-0.5% QoQ
|
-6.38% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.0% in tier |
| Non-Interest Income / Assets ? |
0.18%
-0.4% YoY
-76.0% QoQ
|
-0.10% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
82% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.