BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Booneville, KY
2 branches across KY
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 15 in KY.
- Deposits +10.5% year over year ($62.5M on the books).
- Delinquency rate 1.09%.
- Return on assets 1.13%.
- Efficiency ratio 72.06% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.81% 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 4 strengths and 11.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.30% above tier average
- + Efficiency Ratio 47.34% below tier average
- + Delinquency Rate 0.39% 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$69.3M
+11.1% YoY
+1.1% QoQ
|
+$6.9M |
$62.4M
-0.0% YoY
|
$707.7M
+4.5% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$28.0M
+1.5% YoY
-1.1% QoQ
|
-$6.9M |
$34.9M
-0.6% YoY
|
$500.8M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$62.5M
+10.5% YoY
+0.8% QoQ
|
+$10.9M |
$51.6M
-0.2% YoY
|
$593.9M
+4.1% YoY
|
$4.9B
+7.3% YoY
|
63% |
| Return on Assets ? |
1.13%
-17.2% YoY
-3.9% QoQ
|
+0.13% |
1.00%
+3.5% YoY
|
1.28%
+12.5% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.22%
-6.5% YoY
-3.2% QoQ
|
+0.30% |
3.91%
+2.3% YoY
|
3.93%
+6.2% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
72.06%
+2.1% YoY
+2.8% QoQ
|
-47.34% |
119.40%
+49.6% YoY
|
64.24%
-3.9% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
1.09%
-50.8% YoY
+1.1% QoQ
|
-0.39% |
1.48%
+31.8% YoY
|
0.91%
+20.0% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
44.81%
-8.1% YoY
-1.8% QoQ
|
-29.40% |
74.21%
+12.6% YoY
|
81.25%
+1.1% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
32.49%
-4.5% YoY
+0.5% QoQ
|
+9.00% |
23.49%
+0.6% YoY
|
23.27%
-2.3% YoY
|
21.98%
-0.6% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.44%
-55.1% YoY
-1.1% QoQ
|
-0.40% |
0.84%
+23.0% YoY
|
0.64%
+23.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
17.53%
+0.8% YoY
-0.0% QoQ
|
-9.60% |
27.13%
+3.0% YoY
|
16.76%
+11.6% YoY
|
17.09%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.30%
-3.1% YoY
+100.7% QoQ
|
-1.08% |
1.38%
+6.3% YoY
|
0.31%
+0.1% YoY
|
0.66%
+5.2% YoY
|
84% |
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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
32.5%
-1.5pp YoY +0.2pp QoQ |
+7.9pp | 24.6% | 23.5% | 22.2% | 80% |
| Brokered Deposits | n/a | n/a | 9.8% | 5.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.7%
+0.2pp YoY -0.3pp QoQ |
-4.7pp | 13.4% | 8.6% | 12.5% | 45% |
| CRE |
36.6%
-3.2pp YoY -0.5pp QoQ |
+11.4pp | 25.2% | 37.1% | 41.4% | 77% |
| 1-4 Family |
34.4%
-1.6pp YoY -0.5pp QoQ |
-0.6pp | 35.0% | 41.6% | 31.3% | 55% |
| Consumer |
12.5%
0.0pp YoY +0.2pp QoQ |
+4.8pp | 7.7% | 4.8% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.5%
+0.1pp YoY 0.0pp QoQ |
-21.2pp | 38.7% | 20.2% | 19.7% | 35% |
| Leverage Ratio |
10.7%
-1.1pp YoY -0.3pp QoQ |
-7.0pp | 17.7% | 14.0% | 12.6% | 26% |
| Total Capital Ratio |
18.8%
+0.1pp YoY 0.0pp QoQ |
-20.9pp | 39.7% | 21.3% | 20.8% | 36% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
18
+1 (+5.9%) YoY 0 QoQ |
+6 | 12 | 105 | 482 | 84% |
| Assets per Employee ($) |
$3.9M
+4.9% YoY +1.1% QoQ |
-$2.3M | $6.2M | $6.3M | $8.8M | 17% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.8pp | 1.0% | 0.3% | 0.4% | 29% |
| Nonaccrual |
1.0%
-1.1pp YoY +0.1pp QoQ |
-0.8pp | 1.7% | 0.8% | 1.0% | 56% |
| Allowance Coverage |
1.82x
+104.0% YoY +1.3% QoQ |
-4.59x | 6.41x | 7.45x | 20.23x | 59% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp YoY -0.2pp QoQ |
+0.1pp | 0.2% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
-4.2pp YoY -0.5pp QoQ |
+8.2pp | 6.4% | 13.3% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY +0.1pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 24% |
| Net Income ($, YTD) |
$388,000
-6.7% YoY — QoQ |
+$70K | $317,817 | $5.1M | $40.4M | 61% |
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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.