BlastPoint's Banking Scorecard
Farmers State Bank
Parkston, SD
3 branches across SD
Farmers State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 34.9% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21.5% in tier
- - ROA 0.45% below tier average
- - Net Interest Margin 0.66% below tier average
- - Efficiency Ratio 4.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$258.9M
+3.0% YoY
+3.3% QoQ
|
-$127.2M |
$386.1M
+0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$134.3M
+7.7% YoY
-3.2% QoQ
|
-$121.4M |
$255.7M
+1.1% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
30% |
| Total Deposits ? |
$242.1M
+1.7% YoY
+3.8% QoQ
|
-$85.9M |
$328.0M
+0.1% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
43% |
| Return on Assets ? |
0.82%
+62.9% YoY
+13.7% QoQ
|
-0.45% |
1.27%
+12.9% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.27%
+15.7% YoY
+4.9% QoQ
|
-0.66% |
3.93%
+6.0% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
69.65%
-7.8% YoY
-0.7% QoQ
|
+4.36% |
65.29%
-4.5% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
55.47%
+5.9% YoY
-6.7% QoQ
|
-21.16% |
76.64%
+0.8% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
Top 14.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.60%
-0.1% YoY
+2.3% QoQ
|
+0.58% |
22.02%
-1.0% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.87%
+2.0% YoY
+1.3% QoQ
|
-5.96% |
15.83%
+1.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.3% in tier |
| Non-Interest Income / Assets ? |
0.05%
+3.8% YoY
-78.4% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.