BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
WA
FDIC cert 6156
Designations: ✓ Community bank
Winthrop, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Farmers State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 35.31% above tier
- + Nonperforming Asset Ratio 0.45% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$50.1M
-4.4% YoY
-1.1% QoQ
|
-$167.4M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$3.6M
-1.3% YoY
+2.3% QoQ
|
-$135.6M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$44.4M
-6.0% YoY
-1.3% QoQ
|
-$139.3M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.01%
+58.1% YoY
-9.9% QoQ
|
-0.07% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
47% |
| Net Interest Margin ? |
3.10%
+19.5% YoY
+1.1% QoQ
|
-0.76% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
57.89%
-15.3% YoY
+9.6% QoQ
|
-9.84% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
8.06%
+5.0% YoY
+3.7% QoQ
|
-66.47% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
57.70%
-1.6% YoY
-1.9% QoQ
|
+35.31% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.12%
+1.3% YoY
+51.7% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
57.70%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.70% · Tier avg: 22.39%
73
73th pctile
Efficiency Ratio
Current: 57.89% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
8
8th pctile
Total Deposits
Current: $44.4M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $50.1M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $3.6M · Tier avg: $139.2M
Top Weaknesses
2
2th pctile
Total Loans
Current: $3.6M · Tier avg: $139.2M
7
7th pctile
Total Assets
Current: $50.1M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $44.4M · Tier avg: $183.7M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.10% · Tier avg: 3.85%
47
47th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Efficiency Ratio
Current: 57.89% · Tier avg: 67.73%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.70% · Tier avg: 22.39%
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%