BlastPoint's Banking Scorecard
The Farmers Bank
Carnegie, OK
2 branches across OK
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 106 in OK.
- Deposits +31.6% year over year ($121.1M on the books).
- Delinquency rate 0.32%.
- Return on assets 0.90%.
- Efficiency ratio 67.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.82% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.38% above tier average
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.42% below tier average
- - Efficiency Ratio 3.39% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.6M
+34.9% YoY
+13.5% QoQ
|
-$247.0M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.2% in tier |
| Total Loans ? |
$120.9M
+33.5% YoY
+13.1% QoQ
|
-$137.4M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
25% |
| Total Deposits ? |
$121.1M
+31.6% YoY
+15.6% QoQ
|
-$205.6M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.3% in tier |
| Return on Assets ? |
0.90%
+2.4% YoY
-4.0% QoQ
|
-0.42% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
4.37%
-1.1% YoY
-0.6% QoQ
|
+0.38% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
67.87%
-2.6% YoY
+0.9% QoQ
|
+3.39% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
0.32%
-9.9% YoY
-24.9% QoQ
|
-0.60% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
99.82%
+1.5% YoY
-2.2% QoQ
|
+21.87% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.34%
-24.8% YoY
-8.7% QoQ
|
-0.69% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.28%
-10.8% YoY
-25.1% QoQ
|
-0.39% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
11.58%
+12.7% YoY
-4.3% QoQ
|
-4.32% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.08%
-11.2% YoY
+81.2% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.3% in tier |
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.3%
-7.0pp YoY -2.0pp QoQ |
-0.8pp | 22.1% | 23.9% | 22.2% | 51% |
| Brokered Deposits |
14.9%
-4.7pp YoY -2.3pp QoQ |
+7.0pp | 7.9% | 9.7% | 8.5% | 85% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.8%
+1.7pp YoY +1.2pp QoQ |
+7.3pp | 11.6% | 15.7% | 12.5% | 86% |
| CRE |
38.1%
+0.6pp YoY -1.0pp QoQ |
-1.4pp | 39.5% | 42.0% | 41.4% | 49% |
| 1-4 Family |
18.9%
-5.2pp YoY -1.1pp QoQ |
-13.7pp | 32.6% | 24.0% | 31.3% | 28% |
| Consumer |
2.6%
-1.3pp YoY -0.3pp QoQ |
-1.5pp | 4.1% | 5.6% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
11.6%
+1.3pp YoY -0.5pp QoQ |
-0.6pp | 12.2% | 11.7% | 12.6% | 59% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+7 (+50.0%) YoY +2 (+10.5%) QoQ |
-38 | 58 | 150 | 482 | 12% |
| Assets per Employee ($) |
$6.6M
-10.1% YoY +2.7% QoQ |
-$870K | $7.5M | $6.5M | $8.8M | 46% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp QoQ |
-0.2pp | 0.3% | 0.9% | 0.4% | 46% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.5% | 1.0% | 33% |
| Allowance Coverage |
3.42x
-2.4% YoY +23.8% QoQ |
-20.73x | 24.15x | 61.99x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 61% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.0%
-0.6pp YoY 0.0pp QoQ |
-4.2pp | 12.2% | 11.9% | 11.6% | 25% |
| Cost of Funds (YTD) |
2.5%
-0.3pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$568,000
+29.4% YoY — QoQ |
-$2.0M | $2.6M | $8.7M | $40.4M | 12% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.