BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Commercial
TX
FDIC cert 13407
Designations: ✓ Community bank
Center, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Farmers State Bank shows strong momentum with 1 strength and 10.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 20.86% 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 (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$404.0M
+10.9% YoY
+9.5% QoQ
|
+$186.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$240.1M
+9.9% YoY
+10.7% QoQ
|
+$100.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$347.8M
+11.1% YoY
+11.6% QoQ
|
+$164.1M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
1.88%
-0.2% YoY
+1.3% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
4.89%
-2.0% YoY
-0.5% QoQ
|
+1.04% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
62.86%
+6.0% YoY
-1.4% QoQ
|
-4.87% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.68%
+47.7% YoY
+108.2% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
69.03%
-1.1% YoY
-0.8% QoQ
|
-5.50% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
43.25%
+10.7% YoY
+13.2% QoQ
|
+20.86% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.68%
+3.5% YoY
+20.0% QoQ
|
+0.22% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
19.63%
-9.2% YoY
-17.3% QoQ
|
+10.78% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.46%
-12.8% YoY
+17.6% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.25%
(Tier avg: 22.39%, National avg: 21.79%)
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
Non-Interest-Bearing Deposit Share
Current: 43.25% · Tier avg: 22.39%
90
90th pctile
Total Deposits
Current: $347.8M · Tier avg: $183.7M
89
89th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.85%
89
89th pctile
Total Assets
Current: $404.0M · Tier avg: $217.5M
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
86
86th pctile
Tier 1 Capital Ratio
Current: 19.63% · Tier avg: 8.85%
83
83th pctile
Total Loans
Current: $240.1M · Tier avg: $139.2M
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.03% · Tier avg: 74.53%
59
59th pctile
Efficiency Ratio
Current: 62.86% · Tier avg: 67.73%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
Top Weaknesses
29
29th pctile
Nonperforming Asset Ratio
Current: 0.68% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.68% · Tier avg: 0.64%
59
59th pctile
Efficiency Ratio
Current: 62.86% · Tier avg: 67.73%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.03% · Tier avg: 74.53%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
83
83th pctile
Total Loans
Current: $240.1M · Tier avg: $139.2M
86
86th pctile
Tier 1 Capital Ratio
Current: 19.63% · Tier avg: 8.85%
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
89
89th pctile
Total Assets
Current: $404.0M · Tier avg: $217.5M
89
89th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.85%
90
90th pctile
Total Deposits
Current: $347.8M · Tier avg: $183.7M
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.25% · Tier avg: 22.39%