BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
WY
FDIC cert 526
Designations: ✓ Community bank
Pine Bluffs, WY
2498
banks in Micro tier nationally
16 in WY
View Micro leaderboard (WY) →
Farmers State Bank shows strong momentum with 4 strengths and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 18.10% 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 (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.3M
+9.0% YoY
+2.7% QoQ
|
-$185.2M |
$217.5M
+2.3% YoY
|
$444.3M
+6.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$15.7M
-3.5% YoY
-1.2% QoQ
|
-$123.5M |
$139.2M
+2.8% YoY
|
$243.8M
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$28.2M
+8.0% YoY
+2.8% QoQ
|
-$155.5M |
$183.7M
+1.8% YoY
|
$395.4M
+5.9% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.61%
+21.8% YoY
+8.6% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.20%
+24.0% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
5.06%
+2.3% YoY
-0.8% QoQ
|
+1.21% |
3.85%
+6.6% YoY
|
3.82%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
61.61%
-5.5% YoY
-3.6% QoQ
|
-6.12% |
67.73%
-4.8% YoY
|
65.60%
-5.3% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.31%
+0.5% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
55.80%
-10.7% YoY
-3.9% QoQ
|
-18.73% |
74.53%
+0.5% YoY
|
62.14%
+1.4% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
33.15%
-2.7% YoY
+0.3% QoQ
|
+10.76% |
22.39%
-1.3% YoY
|
22.06%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.19%
+16.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
26.96%
+13.9% YoY
+3.7% QoQ
|
+18.10% |
8.85%
-3.4% YoY
|
10.45%
-12.5% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.52%
+120.2% YoY
+68.6% QoQ
|
-0.04% |
0.56%
+0.3% YoY
|
0.80%
+10.1% YoY
|
0.65%
+0.6% YoY
|
71% |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.96%
(Tier avg: 8.85%, National avg: 9.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.96% · Tier avg: 8.85%
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.15% · Tier avg: 22.39%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
62
62th pctile
Efficiency Ratio
Current: 61.61% · Tier avg: 67.73%
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.80% · Tier avg: 74.53%
5
5th pctile
Total Loans
Current: $15.7M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $28.2M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $32.3M · Tier avg: $217.5M
Top Weaknesses
3
3th pctile
Total Assets
Current: $32.3M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $28.2M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $15.7M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 55.80% · Tier avg: 74.53%
62
62th pctile
Efficiency Ratio
Current: 61.61% · Tier avg: 67.73%
71
71th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.56%
79
79th pctile
Return on Assets
Current: 1.61% · Tier avg: 1.08%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 33.15% · Tier avg: 22.39%
91
91th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.96% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%