BlastPoint's Banking Scorecard
The Farmers State Bank of Turton
Designations: ✓ Community bank
Turton, SD
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 14 in SD.
- Deposits +0.1% year over year ($34.9M on the books).
- Delinquency rate 2.22%.
- Return on assets 0.23%.
- Efficiency ratio 92.93% vs a 119.40% peer average.
- Loan-to-deposit ratio 61.40% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank of Turton has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.47% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Net Interest Margin 0.26% below tier average
- - Delinquency Rate 0.74% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.2M
-0.5% YoY
+2.5% QoQ
|
-$21.2M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$21.4M
+17.7% YoY
+11.8% QoQ
|
-$13.5M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$34.9M
+0.1% YoY
-0.8% QoQ
|
-$16.8M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.23%
-57.3% YoY
+261.9% QoQ
|
-0.77% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.65%
+9.0% YoY
+3.2% QoQ
|
-0.26% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
36% |
| Efficiency Ratio ? |
92.93%
+12.1% YoY
-10.3% QoQ
|
-26.47% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
15% |
| Delinquency Rate ? |
2.22%
+453.9% YoY
-12.4% QoQ
|
+0.74% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
61.40%
+17.6% YoY
+12.7% QoQ
|
-12.81% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
11.74%
+19.4% YoY
+8.4% QoQ
|
-11.75% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? |
1.15%
+555.4% YoY
-4.5% QoQ
|
+0.32% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
19.46%
-13.9% YoY
-1.6% QoQ
|
-7.66% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.06%
+47.8% YoY
+143.9% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
23% |
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
11.7%
+1.9pp YoY +0.9pp QoQ |
-12.9pp | 24.6% | 23.5% | 22.2% | 14% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
-3.8pp YoY -1.5pp QoQ |
-3.6pp | 13.4% | 14.1% | 12.5% | 50% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 14.9% | 31.3% | n/a |
| Consumer |
2.9%
-0.6pp YoY +0.2pp QoQ |
-4.7pp | 7.7% | 8.5% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.5%
-3.2pp YoY -0.3pp QoQ |
-19.2pp | 38.7% | 17.6% | 19.7% | 43% |
| Leverage Ratio |
10.9%
+0.9pp YoY +0.1pp QoQ |
-6.8pp | 17.7% | 11.9% | 12.6% | 28% |
| Total Capital Ratio |
20.5%
-3.4pp YoY -0.3pp QoQ |
-19.2pp | 39.7% | 18.8% | 20.8% | 43% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
+1 (+25.0%) YoY 0 QoQ |
-7 | 12 | 6,279 | 482 | 7% |
| Assets per Employee ($) |
$8.2M
-20.4% YoY +2.5% QoQ |
+$2.1M | $6.2M | $8.1M | $8.8M | 82% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.2%
-0.3pp QoQ |
+0.5pp | 1.7% | 1.0% | 1.0% | 78% |
| Allowance Coverage |
0.49x
-84.7% YoY +2.1% QoQ |
-5.92x | 6.41x | 96.54x | 20.23x | 20% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.7% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.2%
-3.4pp YoY +3.5pp QoQ |
-4.2pp | 6.4% | 12.4% | 11.6% | 20% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY -0.1pp QoQ |
+0.4pp | 1.4% | 1.7% | 1.7% | 78% |
| Net Income ($, YTD) |
$46,000
-57.0% YoY — QoQ |
-$272K | $317,817 | $418.8M | $40.4M | 17% |
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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.