BlastPoint's Banking Scorecard
The Farmers State Bank
Quinton, OK
4 branches across OK
The Farmers State Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 32.4% in tier
- + Net Interest Margin 1.54% above tier average
- + ROA 0.28% above tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 36.6% in tier
- - Credit Quality Pressure: Bottom 38.1% in tier
- - Efficiency Ratio 3.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.6M
+2.4% YoY
+3.7% QoQ
|
-$187.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$128.7M
+7.8% YoY
+1.6% QoQ
|
-$127.1M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$187.0M
+1.3% YoY
+3.5% QoQ
|
-$141.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
1.55%
+25.5% YoY
+20.3% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
5.47%
+7.3% YoY
+4.4% QoQ
|
+1.54% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 3.2% in tier |
| Efficiency Ratio ? |
68.42%
-0.9% YoY
-2.1% QoQ
|
+3.13% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
0.53%
+68.3% YoY
-14.0% QoQ
|
-0.36% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
68.82%
+6.4% YoY
-1.8% QoQ
|
-7.82% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.49%
+0.1% YoY
+3.7% QoQ
|
+0.48% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.34%
+77.2% YoY
-15.8% QoQ
|
-0.30% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
12.36%
+3.1% YoY
-2.4% QoQ
|
-3.47% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.27%
-2.2% YoY
-76.2% QoQ
|
-0.01% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 8.0% in tier |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.