BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
TX
FDIC cert 15367
Designations: ✓ Community bank
Groesbeck, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Farmers State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 25.42% 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 ? |
$180.9M
+1.5% YoY
-4.3% QoQ
|
-$36.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$93.9M
-11.4% YoY
-10.8% QoQ
|
-$45.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$161.4M
-0.3% YoY
-5.1% QoQ
|
-$22.3M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.71%
+19.8% YoY
+0.8% QoQ
|
+0.62% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.81%
+12.3% YoY
+0.7% QoQ
|
+0.95% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
67.13%
-3.6% YoY
-0.1% QoQ
|
-0.60% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.04%
-69.6% YoY
+9.3% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
58.21%
-11.2% YoY
-6.0% QoQ
|
-16.32% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
47.82%
-2.1% YoY
+1.9% QoQ
|
+25.42% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-73.5% YoY
+1.9% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.75%
-0.7% YoY
+38.4% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
47.82%
(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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.82% · Tier avg: 22.39%
87
87th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.85%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.21% · Tier avg: 74.53%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Deposits
Current: $161.4M · Tier avg: $183.7M
47
47th pctile
Efficiency Ratio
Current: 67.13% · Tier avg: 67.73%
46
46th pctile
Total Assets
Current: $180.9M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $93.9M · Tier avg: $139.2M
Top Weaknesses
41
41th pctile
Total Loans
Current: $93.9M · Tier avg: $139.2M
46
46th pctile
Total Assets
Current: $180.9M · Tier avg: $217.5M
47
47th pctile
Efficiency Ratio
Current: 67.13% · Tier avg: 67.73%
49
49th pctile
Total Deposits
Current: $161.4M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.21% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.08%
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
87
87th pctile
Net Interest Margin
Current: 4.81% · Tier avg: 3.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 47.82% · Tier avg: 22.39%