BlastPoint's Banking Scorecard
The Farmers Bank
Carnegie, OK
2 branches across OK
The Farmers Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 22.2% in tier
- - Loan-to-Deposit Ratio 25.39% above tier average
- - ROA 0.33% below tier average
- - Efficiency Ratio 1.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$123.0M
+18.6% YoY
+6.7% QoQ
|
-$263.0M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.7% in tier |
| Total Loans ? |
$106.9M
+24.9% YoY
+7.7% QoQ
|
-$148.8M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$104.7M
+13.2% YoY
+4.3% QoQ
|
-$223.2M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.1% in tier |
| Return on Assets ? |
0.94%
+21.5% YoY
-9.8% QoQ
|
-0.33% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
4.39%
+2.6% YoY
-2.7% QoQ
|
+0.46% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
78% |
| Efficiency Ratio ? |
67.27%
-6.4% YoY
+2.9% QoQ
|
+1.99% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.43%
+11.3% YoY
-37.8% QoQ
|
-0.46% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
102.03%
+10.3% YoY
+3.3% QoQ
|
+25.39% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 6.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.38%
-22.6% YoY
-9.3% QoQ
|
+1.36% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.37%
-70.2% YoY
-37.1% QoQ
|
-0.26% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.11%
+11.6% YoY
-3.0% QoQ
|
-3.72% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.04%
+1.5% YoY
-74.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (1)
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.