BlastPoint's Banking Scorecard
Farmers State Bank, Allen, Oklahoma
Micro
Specialty: Other
OK
FDIC cert 12758
Designations: ✓ Community bank
Allen, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Farmers State Bank, Allen, Oklahoma demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.08% above tier
- + Net Interest Margin 1.61% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$54.4M
+3.6% YoY
-2.4% QoQ
|
-$163.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$40.3M
+0.6% YoY
-2.8% QoQ
|
-$98.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
15% |
| Total Deposits ? |
$46.2M
+3.2% YoY
-2.8% QoQ
|
-$137.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
2.17%
-1.0% YoY
+1.2% QoQ
|
+1.08% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
5.46%
+1.2% YoY
+0.2% QoQ
|
+1.61% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
54.01%
-6.4% YoY
+1.0% QoQ
|
-13.71% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.61%
-28.6% YoY
-75.0% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
87.39%
-2.6% YoY
-0.0% QoQ
|
+12.86% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
29.31%
-3.7% YoY
-5.7% QoQ
|
+6.91% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
0.45%
-30.7% YoY
-75.1% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.61%
+52.4% YoY
+92.2% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.17%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.46%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
95
95th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
83
83th pctile
Efficiency Ratio
Current: 54.01% · Tier avg: 67.73%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.31% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.39% · Tier avg: 74.53%
15
15th pctile
Total Loans
Current: $40.3M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $46.2M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.4M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $54.4M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $46.2M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $40.3M · Tier avg: $139.2M
28
28th pctile
Loan-to-Deposit Ratio
Current: 87.39% · Tier avg: 74.53%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 29.31% · Tier avg: 22.39%
77
77th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
83
83th pctile
Efficiency Ratio
Current: 54.01% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.17% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.85%