BlastPoint's Banking Scorecard
The Farmers State Bank
Micro
Specialty: Other
OK
FDIC cert 404
Designations: ✓ Community bank
Quinton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Farmers State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.38% above tier
- + Non-Interest Income / Assets 0.58% 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 ? |
$191.5M
+3.6% YoY
-3.5% QoQ
|
-$26.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$126.6M
+8.7% YoY
+1.9% QoQ
|
-$12.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$180.7M
+2.5% YoY
-3.9% QoQ
|
-$3.0M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.28%
+38.4% YoY
-9.1% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
5.24%
+11.9% YoY
+1.7% QoQ
|
+1.38% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
69.87%
-4.6% YoY
+1.6% QoQ
|
+2.15% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.61%
+20.6% YoY
-6.1% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
70.09%
+6.1% YoY
+6.0% QoQ
|
-4.44% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
21.69%
+1.8% YoY
+0.2% QoQ
|
-0.70% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.40%
+26.6% YoY
-0.9% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.67%
-0.4% YoY
+5.9% QoQ
|
+3.81% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
1.14%
+1.7% YoY
+42.3% QoQ
|
+0.58% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.24%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.14%
(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
94
94th pctile
Net Interest Margin
Current: 5.24% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
54
54th pctile
Total Deposits
Current: $180.7M · Tier avg: $183.7M
52
52th pctile
Total Loans
Current: $126.6M · Tier avg: $139.2M
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.69% · Tier avg: 22.39%
49
49th pctile
Total Assets
Current: $191.5M · Tier avg: $217.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
40
40th pctile
Efficiency Ratio
Current: 69.87% · Tier avg: 67.73%
39
39th pctile
Loan-to-Deposit Ratio
Current: 70.09% · Tier avg: 74.53%
Top Weaknesses
39
39th pctile
Loan-to-Deposit Ratio
Current: 70.09% · Tier avg: 74.53%
40
40th pctile
Efficiency Ratio
Current: 69.87% · Tier avg: 67.73%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
49
49th pctile
Total Assets
Current: $191.5M · Tier avg: $217.5M
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.69% · Tier avg: 22.39%
52
52th pctile
Total Loans
Current: $126.6M · Tier avg: $139.2M
54
54th pctile
Total Deposits
Current: $180.7M · Tier avg: $183.7M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.67% · Tier avg: 8.85%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
94
94th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.56%
94
94th pctile
Net Interest Margin
Current: 5.24% · Tier avg: 3.85%