BlastPoint's Banking Scorecard
Farmers State Bank of Canton
Micro
Specialty: Agricultural
SD
FDIC cert 11133
Designations: ✓ Community bank
Canton, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
Farmers State Bank of Canton has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.5M
+14.5% YoY
-2.1% QoQ
|
-$135.0M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$43.0M
+3.2% YoY
+0.7% QoQ
|
-$96.2M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$68.6M
+12.7% YoY
-1.0% QoQ
|
-$115.0M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.44%
+419.3% YoY
+13.0% QoQ
|
-0.65% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
2.75%
-5.3% YoY
-0.0% QoQ
|
-1.11% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
82.14%
-13.7% YoY
-2.8% QoQ
|
+14.42% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
62.63%
-8.5% YoY
+1.7% QoQ
|
-11.90% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
14.95%
-7.4% YoY
-5.1% QoQ
|
-7.45% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.11%
-3.0% YoY
+3.2% QoQ
|
+6.26% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.29%
-0.6% YoY
+49.4% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.63% · Tier avg: 74.53%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 8.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
17
17th pctile
Efficiency Ratio
Current: 82.14% · Tier avg: 67.73%
17
17th pctile
Total Deposits
Current: $68.6M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $82.5M · Tier avg: $217.5M
17
17th pctile
Total Loans
Current: $43.0M · Tier avg: $139.2M
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
16
16th pctile
Return on Assets
Current: 0.44% · Tier avg: 1.08%
17
17th pctile
Total Loans
Current: $43.0M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $82.5M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.6M · Tier avg: $183.7M
17
17th pctile
Efficiency Ratio
Current: 82.14% · Tier avg: 67.73%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.95% · Tier avg: 22.39%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.11% · Tier avg: 8.85%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.63% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%