BlastPoint's Banking Scorecard

Farmers Savings Bank & Trust

$100M-$1B Specialty: Agricultural IA FDIC cert 10122

Traer, IA

2 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits -3.4% year over year ($192.2M on the books).
Delinquency rate 0.00%.
Return on assets 1.33%.
Efficiency ratio 60.65% vs a 64.48% peer average.
Loan-to-deposit ratio 59.34% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Farmers Savings Bank & Trust has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 27.0% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 3.83% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 41.0% in tier
- Net Interest Margin 0.52% below tier average

Get updates when Farmers Savings Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$212.7M -1.3% YoY -8.5% QoQ	-$173.8M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$114.1M +6.3% YoY -0.6% QoQ	-$144.3M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$192.2M -3.4% YoY -9.4% QoQ	-$134.5M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.33% -0.4% YoY +4.1% QoQ	+0.01%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	55%
Net Interest Margin ?	3.47% +12.4% YoY +4.4% QoQ	-0.52%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	26%
Efficiency Ratio ?	60.65% +3.9% YoY +1.7% QoQ	-3.83%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	55%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	59.34% +10.0% YoY +9.8% QoQ	-18.61%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	84%
Non-Interest-Bearing Deposit Share ?	22.47% +4.0% YoY +8.1% QoQ	+0.44%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	56%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.67%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	18.51% +5.9% YoY +5.7% QoQ	+2.60%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.15% -47.0% YoY +109.2% QoQ	-0.42%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	33%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Noninterest-Bearing	22.5% +0.9pp YoY +1.7pp QoQ	+0.3pp	22.1%	17.8%	22.2%	56%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	7.1% -2.0pp YoY -0.1pp QoQ	-4.5pp	11.6%	12.8%	12.5%	34%
CRE	n/a	n/a	39.5%	28.3%	41.4%	n/a
1-4 Family	16.6% -0.8pp YoY +0.8pp QoQ	-16.0pp	32.6%	23.0%	31.3%	23%
Consumer	1.9% -0.3pp YoY -0.1pp QoQ	-2.2pp	4.1%	2.9%	5.0%	46%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	18.5% +1.0pp YoY +1.0pp QoQ	-0.3pp	18.8%	15.4%	19.7%	72%
Leverage Ratio	10.3% +0.5pp YoY 0.0pp QoQ	-1.9pp	12.2%	12.4%	12.6%	36%
Total Capital Ratio	19.1% +1.1pp YoY +1.0pp QoQ	-0.8pp	19.9%	16.5%	20.8%	69%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	22 +1 (+4.8%) YoY +1 (+4.8%) QoQ	-37	58	64	482	14%
Assets per Employee ($)	$9.7M -5.8% YoY -12.7% QoQ	+$2.2M	$7.5M	$8.9M	$8.8M	84%
Branch Count	2 0 YoY 0 QoQ	-3	4	5	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.97x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	19.5% -7.0pp YoY +0.5pp QoQ	+7.3pp	12.2%	12.8%	11.6%	87%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	25%
Net Income ($, YTD)	$1.5M +0.9% YoY — QoQ	-$1.1M	$2.6M	$4.0M	$40.4M	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#179 of 659 • Top 27.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Flatlined Growth

risk

#218 of 529 • Bottom 41.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.33%

(Tier: 1.32%, National: 1.30%)

better than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

435

Loan-to-Deposit Ratio

liquidity

Value: 59.34%

Peer Median: 77.95%

#435 of 2643 Top 16.4% in $100M-$1B

459

Tier 1 Capital Ratio

capital

Value: 18.51%

Peer Median: 15.91%

#459 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (1 metrics)

2024

Total Loans

size

Value: $114.06M

Peer Median: $258.35M

#2024 of 2643 Bottom 23.5% in $100M-$1B