BlastPoint's Banking Scorecard
Farmers Bank
Micro
Specialty: Other
AR
FDIC cert 1296
Designations: ✓ Community bank
Greenwood, AR
2498
banks in Micro tier nationally
40 in AR
View Micro leaderboard (AR) →
Farmers Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.34% 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 (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$287.6M
+3.7% YoY
+2.0% QoQ
|
+$70.1M |
$217.5M
+2.3% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$162.1M
+4.8% YoY
+1.1% QoQ
|
+$22.9M |
$139.2M
+2.8% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$247.2M
+2.6% YoY
+2.0% QoQ
|
+$63.5M |
$183.7M
+1.8% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.80%
-19.9% YoY
-14.1% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
33% |
| Net Interest Margin ? |
3.77%
+9.1% YoY
+0.9% QoQ
|
-0.09% |
3.85%
+6.6% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
76.08%
+5.9% YoY
+1.8% QoQ
|
+8.35% |
67.73%
-4.8% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.44%
+154.8% YoY
+17.6% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
65.58%
+2.1% YoY
-0.9% QoQ
|
-8.94% |
74.53%
+0.5% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
25.76%
+6.8% YoY
-1.4% QoQ
|
+3.36% |
22.39%
-1.3% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.25%
+157.4% YoY
+16.6% QoQ
|
-0.20% |
0.45%
+25.1% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.91%
-36.4% YoY
+29.9% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
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
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
70
70th pctile
Total Deposits
Current: $247.2M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $287.6M · Tier avg: $217.5M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.58% · Tier avg: 74.53%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.76% · Tier avg: 22.39%
64
64th pctile
Total Loans
Current: $162.1M · Tier avg: $139.2M
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
27
27th pctile
Efficiency Ratio
Current: 76.08% · Tier avg: 67.73%
Top Weaknesses
27
27th pctile
Efficiency Ratio
Current: 76.08% · Tier avg: 67.73%
33
33th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.08%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.45%
64
64th pctile
Total Loans
Current: $162.1M · Tier avg: $139.2M
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.76% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.58% · Tier avg: 74.53%
70
70th pctile
Total Assets
Current: $287.6M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $247.2M · Tier avg: $183.7M
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%