BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
KY
FDIC cert 5838
Designations: ✓ Community bank
Booneville, KY
2498
banks in Micro tier nationally
83 in KY
View Micro leaderboard (KY) →
Farmers State Bank shows strong momentum with 1 strength and 12.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.88% below 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 (KY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.2M
+12.8% YoY
+6.8% QoQ
|
-$149.3M |
$217.5M
+2.3% YoY
|
$697.6M
+5.6% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$28.1M
+2.3% YoY
+0.1% QoQ
|
-$111.1M |
$139.2M
+2.8% YoY
|
$490.0M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$61.5M
+13.8% YoY
+7.3% QoQ
|
-$122.2M |
$183.7M
+1.8% YoY
|
$584.3M
+5.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.35%
+3.3% YoY
-3.2% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
1.21%
+22.9% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.44%
+5.5% YoY
-1.6% QoQ
|
+0.59% |
3.85%
+6.6% YoY
|
3.81%
+9.2% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
70.15%
+1.2% YoY
+0.3% QoQ
|
+2.43% |
67.73%
-4.8% YoY
|
64.38%
-7.4% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
1.07%
-52.8% YoY
+107.3% QoQ
|
+0.43% |
0.64%
+24.4% YoY
|
0.52%
-3.4% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
45.65%
-10.1% YoY
-6.7% QoQ
|
-28.88% |
74.53%
+0.5% YoY
|
81.81%
+1.4% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.88%
-11.5% YoY
-9.2% QoQ
|
+7.49% |
22.39%
-1.3% YoY
|
23.17%
-1.4% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.44%
-57.2% YoY
+94.3% QoQ
|
-0.01% |
0.45%
+25.1% YoY
|
0.32%
-14.7% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
17.50%
+3.1% YoY
+1.3% QoQ
|
+8.65% |
8.85%
-3.4% YoY
|
9.91%
+1.4% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.58%
-16.6% YoY
+25.1% QoQ
|
+0.02% |
0.56%
+0.3% YoY
|
0.66%
+0.7% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.65%
(Tier avg: 74.53%, National avg: 78.04%)
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
Loan-to-Deposit Ratio
Current: 45.65% · Tier avg: 74.53%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.50% · Tier avg: 8.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.88% · Tier avg: 22.39%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
76
76th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
39
39th pctile
Efficiency Ratio
Current: 70.15% · Tier avg: 67.73%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
14
14th pctile
Total Deposits
Current: $61.5M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $68.2M · Tier avg: $217.5M
10
10th pctile
Total Loans
Current: $28.1M · Tier avg: $139.2M
Top Weaknesses
10
10th pctile
Total Loans
Current: $28.1M · Tier avg: $139.2M
12
12th pctile
Total Assets
Current: $68.2M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $61.5M · Tier avg: $183.7M
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
39
39th pctile
Efficiency Ratio
Current: 70.15% · Tier avg: 67.73%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.44% · Tier avg: 0.45%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
76
76th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.56%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.88% · Tier avg: 22.39%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.50% · Tier avg: 8.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.65% · Tier avg: 74.53%