BlastPoint's Banking Scorecard

Farmers Savings Bank & Trust

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

Traer, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Farmers Savings Bank & Trust has 2 strengths but faces 4 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 22.3% in tier
+ Efficiency Ratio 5.68% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.2% in tier
- Credit Risk Growth: Bottom 12.0% in tier
- Margin Compression: Bottom 37.4% in tier
- Net Interest Margin 0.61% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$232.5M +1.8% YoY +9.4% QoQ	-$153.6M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	33%
Total Loans ?	$114.8M +5.4% YoY +0.1% QoQ	-$141.0M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$212.3M +0.1% YoY +10.2% QoQ	-$115.7M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	37%
Return on Assets ?	1.28% -12.1% YoY -1.1% QoQ	+0.01%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.32% +11.0% YoY +4.7% QoQ	-0.61%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	22%
Efficiency Ratio ?	59.61% +5.7% YoY +0.7% QoQ	-5.68%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	0.01% -74.2% QoQ	-0.88%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 13.3% in tier
Loan-to-Deposit Ratio ?	54.07% +5.3% YoY -9.2% QoQ	-22.57%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 12.8% in tier
Non-Interest-Bearing Deposit Share ?	20.78% +2.1% YoY -4.8% QoQ	-1.24%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	49%
Nonperforming Asset Ratio ?	0.00% -76.4% QoQ	-0.63%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 12.0% in tier
Tier 1 Capital Ratio ?	17.50% +4.0% YoY -2.2% QoQ	+1.67%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.07% -59.5% YoY -85.4% QoQ	-0.21%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	32%

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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

#149 of 664 • Top 22.3% in tier

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

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (3)

Credit Quality Pressure

risk

#16 of 1308 • Bottom 1.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#118 of 973 • Bottom 12.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Margin Compression

decline

#115 of 305 • Bottom 37.4% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.28%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

321

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#321 of 2664 Top 12.0% in $100M-$1B

341

Loan-to-Deposit Ratio

liquidity

Value: 54.07%

Peer Median: 76.64%

#341 of 2664 Top 12.8% in $100M-$1B

353

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#353 of 2654 Top 13.3% in $100M-$1B

550

Tier 1 Capital Ratio

capital

Value: 17.50%

Peer Median: 15.83%

#550 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (2 metrics)

2069

Net Interest Margin

profitability

Value: 3.32%

Peer Median: 3.93%

#2069 of 2664 Bottom 22.4% in $100M-$1B

2018

Total Loans

size

Value: $114.76M

Peer Median: $255.72M

#2018 of 2664 Bottom 24.3% in $100M-$1B