BlastPoint's Banking Scorecard

Farmers State Bank

$100M-$1B Specialty: Commercial MT FDIC cert 342

Victor, MT

11 branches across MT

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 23 in MT.
Deposits +4.8% year over year ($664.3M on the books).
Delinquency rate 0.69%.
Return on assets 0.98%.
Efficiency ratio 72.94% vs a 64.48% peer average.
Loan-to-deposit ratio 78.07% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 23 in MT

View $100M-$1B leaderboard (MT) →

Farmers State Bank has 2 strengths but faces 4 concerns

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

+ Net Interest Margin 0.17% above tier average
+ Delinquency Rate 0.23% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 35.9% in tier
- Credit Risk Growth: Bottom 49.2% in tier
- ROA 0.35% below tier average
- Efficiency Ratio 8.46% above tier average

Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Total Assets ?	$790.3M +10.2% YoY +0.7% QoQ	+$403.8M	$386.6M +1.2% YoY	$2.2B +3.0% YoY	$6.3B +7.7% YoY	Top 8.5% in tier
Total Loans ?	$518.6M +11.0% YoY +3.1% QoQ	+$260.2M	$258.3M +1.7% YoY	$1.4B +2.6% YoY	$3.2B +9.4% YoY	Top 10.0% in tier
Total Deposits ?	$664.3M +4.8% YoY -0.7% QoQ	+$337.5M	$326.7M +0.7% YoY	$1.8B +4.6% YoY	$4.9B +7.3% YoY	Top 8.7% in tier
Return on Assets ?	0.98% +7.0% YoY -8.9% QoQ	-0.35%	1.32% +10.8% YoY	1.54% -6.6% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	4.16% +8.9% YoY +1.5% QoQ	+0.17%	3.99% +5.0% YoY	4.16% +5.0% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	72.94% -4.8% YoY -0.2% QoQ	+8.46%	64.48% -3.2% YoY	60.98% -0.5% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.69% +19.6% YoY +30.8% QoQ	-0.23%	0.92% +15.7% YoY	1.28% +29.2% YoY	0.98% +16.3% YoY	38%
Loan-to-Deposit Ratio ?	78.07% +5.9% YoY +3.8% QoQ	+0.12%	77.95% +1.0% YoY	70.68% -1.2% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	29.18% -4.5% YoY -0.2% QoQ	+7.15%	22.03% -0.6% YoY	26.03% +1.9% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	0.45% +20.5% YoY +33.9% QoQ	-0.21%	0.67% +16.4% YoY	0.78% +50.1% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	12.15% -6.5% YoY -4.5% QoQ	-3.76%	15.91% +1.4% YoY	18.68% -1.3% YoY	17.09% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.27% +19.4% YoY +164.6% QoQ	-0.30%	0.57% +7.6% YoY	1.73% +7.3% YoY	0.66% +5.2% YoY	66%

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 (MT)	National Avg	Tier Percentile
Noninterest-Bearing	29.2% -1.4pp YoY -0.1pp QoQ	+7.0pp	22.1%	26.8%	22.2%	80%
Brokered Deposits	n/a	n/a	7.9%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
C&I	5.3% -0.8pp YoY -0.2pp QoQ	-6.2pp	11.6%	14.3%	12.5%	22%
CRE	55.7% +3.2pp YoY +1.0pp QoQ	+16.1pp	39.5%	42.8%	41.4%	79%
1-4 Family	28.4% -2.1pp YoY -0.7pp QoQ	-4.2pp	32.6%	26.0%	31.3%	48%
Consumer	2.7% -0.3pp YoY 0.0pp QoQ	-1.4pp	4.1%	2.7%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
CET1 Ratio	12.2% -0.8pp YoY -0.6pp QoQ	-6.7pp	18.8%	22.4%	19.7%	19%
Leverage Ratio	8.8% -0.3pp YoY -0.2pp QoQ	-3.3pp	12.2%	13.2%	12.6%	10%
Total Capital Ratio	13.4% -0.8pp YoY -0.6pp QoQ	-6.5pp	19.9%	23.5%	20.8%	21%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Full-Time Employees	138 +2 (+1.5%) YoY +2 (+1.5%) QoQ	+79	58	284	482	96%
Assets per Employee ($)	$5.7M +8.6% YoY -0.8% QoQ	-$1.8M	$7.5M	$8.1M	$8.8M	28%
Branch Count	11 0 YoY 0 QoQ	+6	4	21	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
Past Due 90+ Days	0.0%	-0.3pp	0.3%	0.6%	0.4%	1%
Nonaccrual	0.7% +0.1pp YoY +0.2pp QoQ	-0.2pp	0.9%	1.1%	1.0%	62%
Allowance Coverage	1.94x -19.4% YoY -23.4% QoQ	-22.21x	24.15x	3.69x	20.23x	47%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	65%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MT)	National Avg	Tier Percentile
ROE	14.2% -1.0pp YoY -1.3pp QoQ	+2.0pp	12.2%	14.2%	11.6%	64%
Cost of Funds (YTD)	1.5% -0.1pp YoY 0.0pp QoQ	-0.2pp	1.7%	1.5%	1.7%	38%
Net Income ($, YTD)	$3.8M +16.4% YoY — QoQ	+$1.3M	$2.6M	$14.9M	$40.4M	79%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#452 of 1256 • Bottom 35.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.69%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#462 of 936 • Bottom 49.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

225

Total Assets

size

Value: $790.33M

Peer Median: $386.57M

#225 of 2643 Top 8.5% in $100M-$1B

231

Total Deposits

size

Value: $664.25M

Peer Median: $326.73M

#231 of 2643 Top 8.7% in $100M-$1B

266

Total Loans

size

Value: $518.56M

Peer Median: $258.35M

#266 of 2643 Top 10.0% in $100M-$1B

537

Non-Interest-Bearing Deposit Share

funding

Value: 29.18%

Peer Median: 22.03%

#537 of 2643 Top 20.3% in $100M-$1B

Top Weaknesses (1 metrics)

2010

Efficiency Ratio

profitability

Value: 72.94%

Peer Median: 64.48%

#2010 of 2643 Bottom 24.0% in $100M-$1B