BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Pine Bluffs, WY
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 536 banks in the under $100M peer group nationwide — 1 of 4 in WY.
- Deposits +9.1% year over year ($31.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.10%.
- Efficiency ratio 70.34% vs a 119.40% peer average.
- Loan-to-deposit ratio 52.33% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank shows strong momentum with 5 strengths and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.10% above tier average
- + Net Interest Margin 0.76% above tier average
- + Efficiency Ratio 49.06% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.4M
+9.0% YoY
-0.3% QoQ
|
-$27.0M |
$62.4M
-0.0% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
15% |
| Total Loans ? |
$16.3M
+5.2% YoY
+9.3% QoQ
|
-$18.6M |
$34.9M
-0.6% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$31.2M
+9.1% YoY
-0.0% QoQ
|
-$20.5M |
$51.6M
-0.2% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.10%
-25.4% YoY
+35.0% QoQ
|
+0.10% |
1.00%
+3.5% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
4.67%
-8.7% YoY
+5.8% QoQ
|
+0.76% |
3.91%
+2.3% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
79% |
| Efficiency Ratio ? |
70.34%
+9.9% YoY
-7.1% QoQ
|
-49.06% |
119.40%
+49.6% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
52.33%
-3.5% YoY
+9.3% QoQ
|
-21.88% |
74.21%
+12.6% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
30.77%
+5.5% YoY
-4.9% QoQ
|
+7.28% |
23.49%
+0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
27.75%
+6.3% YoY
-5.9% QoQ
|
+0.62% |
27.13%
+3.0% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.10%
-36.0% YoY
+48.4% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
42% |
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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.8%
+1.6pp YoY -1.6pp QoQ |
+6.1pp | 24.6% | 24.7% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 9.8% | 12.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.9%
-1.4pp YoY -1.2pp QoQ |
-2.5pp | 13.4% | 16.1% | 12.5% | 54% |
| CRE | n/a | n/a | 25.2% | 45.3% | 41.4% | n/a |
| 1-4 Family |
33.5%
0.0pp YoY -0.3pp QoQ |
-1.5pp | 35.0% | 25.2% | 31.3% | 54% |
| Consumer |
4.9%
-0.7pp YoY -0.9pp QoQ |
-2.8pp | 7.7% | 4.1% | 5.0% | 49% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.8%
+1.7pp YoY -1.7pp QoQ |
-10.9pp | 38.7% | 25.5% | 19.7% | 69% |
| Leverage Ratio |
10.9%
0.0pp YoY -0.4pp QoQ |
-6.8pp | 17.7% | 11.6% | 12.6% | 27% |
| Total Capital Ratio |
29.0%
+1.7pp YoY -1.7pp QoQ |
-10.7pp | 39.7% | 26.6% | 20.8% | 69% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
+2 (+50.0%) YoY 0 QoQ |
-6 | 12 | 57 | 482 | 13% |
| Assets per Employee ($) |
$5.9M
-27.3% YoY -0.3% QoQ |
-$287K | $6.2M | $8.7M | $8.8M | 49% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.30x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.6%
-3.7pp YoY +2.5pp QoQ |
+3.2pp | 6.4% | 9.7% | 11.6% | 59% |
| Cost of Funds (YTD) |
0.8%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.6% | 1.7% | 15% |
| Net Income ($, YTD) |
$189,000
-17.5% YoY — QoQ |
-$129K | $317,817 | $3.2M | $40.4M | 35% |
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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.