BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Winthrop, WA
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 WA.
- Deposits -5.3% year over year ($41.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.19%.
- Efficiency ratio 54.92% vs a 119.40% peer average.
- Loan-to-deposit ratio 7.95% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 33.44% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.19% above tier average
- + Efficiency Ratio 64.47% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.51% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.4M
-3.6% YoY
-6.3% QoQ
|
-$15.1M |
$62.4M
-0.0% YoY
|
$3.2B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$3.3M
-5.9% YoY
-1.9% QoQ
|
-$31.6M |
$34.9M
-0.6% YoY
|
$2.3B
+6.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.9% in tier |
| Total Deposits ? |
$41.4M
-5.3% YoY
-7.4% QoQ
|
-$10.3M |
$51.6M
-0.2% YoY
|
$2.6B
+6.6% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
1.19%
+13.8% YoY
-7.2% QoQ
|
+0.19% |
1.00%
+3.5% YoY
|
0.49%
-20.7% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.40%
+13.7% YoY
+1.9% QoQ
|
-0.51% |
3.91%
+2.3% YoY
|
3.77%
+1.0% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
54.92%
+0.2% YoY
+8.5% QoQ
|
-64.47% |
119.40%
+49.6% YoY
|
77.86%
+4.3% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
2.42%
+282.9% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
7.95%
-0.6% YoY
+5.9% QoQ
|
-66.25% |
74.21%
+12.6% YoY
|
82.67%
-3.3% YoY
|
79.03%
+2.3% YoY
|
Top 3.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
56.93%
-1.1% YoY
-2.9% QoQ
|
+33.44% |
23.49%
+0.6% YoY
|
25.26%
+1.1% YoY
|
21.98%
-0.6% YoY
|
Top 1.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
1.67%
+187.6% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.38%
+13.4% YoY
+6.0% QoQ
|
-14.74% |
27.13%
+3.0% YoY
|
12.96%
-1.6% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.04%
-20.2% YoY
+94.1% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.42%
+15.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.6% in tier |
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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
56.9%
-0.6pp YoY -1.7pp QoQ |
+32.3pp | 24.6% | 25.3% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.8%
-2.0pp YoY +2.9pp QoQ |
+15.4pp | 13.4% | 10.5% | 12.5% | 90% |
| CRE | n/a | n/a | 25.2% | 50.6% | 41.4% | n/a |
| 1-4 Family |
5.3%
-0.1pp YoY 0.0pp QoQ |
-29.7pp | 35.0% | 30.1% | 31.3% | 15% |
| Consumer |
14.0%
+0.4pp YoY -1.3pp QoQ |
+6.3pp | 7.7% | 7.9% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 12.7% | 19.7% | n/a |
| Leverage Ratio |
12.4%
+1.5pp YoY +0.7pp QoQ |
-5.3pp | 17.7% | 10.7% | 12.6% | 45% |
| Total Capital Ratio | n/a | n/a | 39.7% | 13.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 343 | 482 | 13% |
| Assets per Employee ($) |
$7.9M
-3.6% YoY -6.3% QoQ |
+$1.7M | $6.2M | $8.5M | $8.8M | 78% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 24 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 2.6% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 4.50x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.3%
-0.3pp QoQ |
+0.1pp | 0.2% | 0.4% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
0.0pp YoY -1.2pp QoQ |
+3.7pp | 6.4% | -2.7% | 11.6% | 62% |
| Cost of Funds (YTD) |
0.4%
+0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.4% | 1.8% | 1.7% | 5% |
| Net Income ($, YTD) |
$293,000
+11.0% YoY — QoQ |
-$25K | $317,817 | $14.3M | $40.4M | 51% |
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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.