BlastPoint's Banking Scorecard
The Farmers State Bank of Turton
Micro
Specialty: Agricultural
SD
FDIC cert 6084
Designations: ✓ Community bank
Turton, SD
2498
banks in Micro tier nationally
34 in SD
View Micro leaderboard (SD) →
The Farmers State Bank of Turton has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.15% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.8M
+2.3% YoY
-3.7% QoQ
|
-$178.7M |
$217.5M
+2.3% YoY
|
$66.4B
+7.5% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$18.3M
+8.9% YoY
+0.9% QoQ
|
-$120.9M |
$139.2M
+2.8% YoY
|
$30.0B
+8.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$32.7M
+1.0% YoY
-3.0% QoQ
|
-$151.0M |
$183.7M
+1.8% YoY
|
$53.6B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.82%
-15.0% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.30%
+9.7% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.45%
+20.6% YoY
-1.4% QoQ
|
-0.41% |
3.85%
+6.6% YoY
|
4.04%
+12.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
76.61%
-22.3% YoY
+4.3% QoQ
|
+8.88% |
67.73%
-4.8% YoY
|
61.23%
-7.1% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
2.77%
+82.0% QoQ
|
+2.13% |
0.64%
+24.4% YoY
|
0.56%
+87.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
56.03%
+7.8% YoY
+4.0% QoQ
|
-18.50% |
74.53%
+0.5% YoY
|
73.14%
+0.4% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
9.41%
-14.5% YoY
-8.7% QoQ
|
-12.98% |
22.39%
-1.3% YoY
|
20.56%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
1.31%
+90.8% QoQ
|
+0.85% |
0.45%
+25.1% YoY
|
0.38%
+94.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 14% in tier |
| Tier 1 Capital Ratio ? |
24.00%
+12.1% YoY
-2.8% QoQ
|
+15.15% |
8.85%
-3.4% YoY
|
11.53%
-0.1% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.42%
+270.7% YoY
+19.2% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
1.02%
-4.1% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
24.00%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.77%
(Tier avg: 0.64%, National avg: 0.66%)
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
92
92th pctile
Tier 1 Capital Ratio
Current: 24.00% · Tier avg: 8.85%
81
81th pctile
Loan-to-Deposit Ratio
Current: 56.03% · Tier avg: 74.53%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
26
26th pctile
Efficiency Ratio
Current: 76.61% · Tier avg: 67.73%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.45%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.41% · Tier avg: 22.39%
8
8th pctile
Delinquency Rate
Current: 2.77% · Tier avg: 0.64%
6
6th pctile
Total Loans
Current: $18.3M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $32.7M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $38.8M · Tier avg: $217.5M
Top Weaknesses
5
5th pctile
Total Assets
Current: $38.8M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $32.7M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $18.3M · Tier avg: $139.2M
8
8th pctile
Delinquency Rate
Current: 2.77% · Tier avg: 0.64%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.41% · Tier avg: 22.39%
14
14th pctile
Nonperforming Asset Ratio
Current: 1.31% · Tier avg: 0.45%
26
26th pctile
Efficiency Ratio
Current: 76.61% · Tier avg: 67.73%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
81
81th pctile
Loan-to-Deposit Ratio
Current: 56.03% · Tier avg: 74.53%
92
92th pctile
Tier 1 Capital Ratio
Current: 24.00% · Tier avg: 8.85%