BlastPoint's Banking Scorecard
The Farmers State Bank of Turton
Designations: ✓ Community bank
Turton, SD
The Farmers State Bank of Turton faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Net Interest Margin 0.33% below tier average
- - Efficiency Ratio 15.94% above tier average
- - Delinquency Rate 1.18% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.2M
+0.6% YoY
+3.6% QoQ
|
-$22.1M |
$62.3M
-0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.0% YoY
|
21% |
| Total Loans ? |
$19.1M
+20.3% YoY
+4.6% QoQ
|
-$15.1M |
$34.3M
-1.5% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
26% |
| Total Deposits ? |
$35.2M
-0.8% YoY
+7.5% QoQ
|
-$16.7M |
$51.8M
-0.6% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.0% YoY
|
24% |
| Return on Assets ? |
-0.14%
-117.5% YoY
-117.2% QoQ
|
-1.00% |
0.86%
-3.6% YoY
|
1.41%
+1.8% YoY
|
1.24%
+13.1% YoY
|
Bottom 13.4% in tier |
| Net Interest Margin ? |
3.54%
+7.0% YoY
+2.6% QoQ
|
-0.33% |
3.87%
+2.7% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
103.57%
+38.4% YoY
+35.2% QoQ
|
+15.94% |
87.63%
+2.3% YoY
|
64.00%
-0.6% YoY
|
66.84%
-3.8% YoY
|
Bottom 12.1% in tier |
| Delinquency Rate ? |
2.54%
-8.3% QoQ
|
+1.18% |
1.36%
+33.7% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
54.48%
+21.3% YoY
-2.8% QoQ
|
-9.63% |
64.11%
-0.9% YoY
|
71.70%
+0.3% YoY
|
76.69%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
10.83%
-3.5% YoY
+15.1% QoQ
|
-12.96% |
23.79%
+0.5% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.1% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.21%
-7.5% QoQ
|
+0.44% |
0.77%
+28.7% YoY
|
0.41%
+39.3% YoY
|
0.66%
+19.3% YoY
|
20% |
| Tier 1 Capital Ratio ? |
19.78%
-15.1% YoY
-17.6% QoQ
|
-6.99% |
26.77%
+2.0% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.02%
-9.7% YoY
-94.1% QoQ
|
-0.65% |
0.67%
+1.6% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.0% YoY
|
19% |
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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.