BlastPoint's Banking Scorecard

Farmers State Bank

under $100M Specialty: Other WY FDIC cert 526

Designations: ✓ Community bank

Pine Bluffs, WY

537 banks in the under $100M peer group nationally 4 in WY

Farmers State Bank shows strong momentum with 4 strengths and 14.0% YoY asset growth

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Net Interest Margin 0.55% above tier average
+ Efficiency Ratio 11.90% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$35.5M +14.0% YoY +9.9% QoQ	-$26.8M	$62.3M -0.5% YoY	$445.8M +4.9% YoY	$6.2B +9.0% YoY	16%
Total Loans ?	$14.9M -7.5% YoY -5.0% QoQ	-$19.4M	$34.3M -1.5% YoY	$250.1M +8.7% YoY	$3.2B +10.7% YoY	19%
Total Deposits ?	$31.2M +13.6% YoY +10.7% QoQ	-$20.7M	$51.8M -0.6% YoY	$397.2M +4.6% YoY	$4.8B +8.0% YoY	20%
Return on Assets ?	0.81% -41.1% YoY -49.5% QoQ	-0.04%	0.86% -3.6% YoY	1.18% +46.8% YoY	1.24% +13.1% YoY	43%
Net Interest Margin ?	4.42% -15.3% YoY -12.7% QoQ	+0.55%	3.87% +2.7% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	74%
Efficiency Ratio ?	75.73% +14.2% YoY +22.9% QoQ	-11.90%	87.63% +2.3% YoY	71.89% -9.4% YoY	66.84% -3.8% YoY	43%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	47.89% -18.5% YoY -14.2% QoQ	-16.22%	64.11% -0.9% YoY	68.79% +12.9% YoY	76.69% +0.9% YoY	72%
Non-Interest-Bearing Deposit Share ?	32.35% -7.0% YoY -2.4% QoQ	+8.57%	23.79% +0.5% YoY	24.89% +11.1% YoY	22.01% -1.1% YoY	79%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.38% +6.8% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	29.48% +18.7% YoY +9.3% QoQ	+2.70%	26.77% +2.0% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.07% +29.0% YoY -86.5% QoQ	-0.60%	0.67% +1.6% YoY	0.21% +17.8% YoY	0.32% +4.0% YoY	55%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Tier 1 Capital Ratio

capital

Value: 29.48%

Peer Median: 26.77%

#85 of 537 Top 15.6% in under $100M

113

Non-Interest-Bearing Deposit Share

funding

Value: 32.35%

Peer Median: 23.79%

#113 of 537 Top 20.9% in under $100M

Top Weaknesses (3 metrics)

451

Total Assets

size

Value: $35.51M

Peer Median: $62.28M

#451 of 537 Bottom 16.2% in under $100M

435

Total Loans

size

Value: $14.93M

Peer Median: $34.29M

#435 of 537 Bottom 19.2% in under $100M

432

Total Deposits

size

Value: $31.18M

Peer Median: $51.83M

#432 of 537 Bottom 19.7% in under $100M