BlastPoint's Banking Scorecard

Farmers Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 10500

Wever, IA

3 branches across IA

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

Farmers Savings Bank has 1 strength but faces 3 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

+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 49.5% in tier
- ROA 0.68% below tier average
- Net Interest Margin 0.68% below tier average

Get updates when Farmers Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$133.6M +3.1% YoY -1.6% QoQ	-$252.5M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 9.3% in tier
Total Loans ?	$85.4M -2.1% YoY -3.1% QoQ	-$170.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 13.7% in tier
Total Deposits ?	$112.9M +1.5% YoY +0.1% QoQ	-$215.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 9.7% in tier
Return on Assets ?	0.59% +85.5% YoY +21.6% QoQ	-0.68%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.25% +14.4% YoY +7.3% QoQ	-0.68%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	81.87% -7.7% YoY -2.8% QoQ	+16.58%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Bottom 13.1% in tier
Delinquency Rate ?	0.29% -2.6% YoY +1.6% QoQ	-0.60%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	58%
Loan-to-Deposit Ratio ?	75.64% -3.5% YoY -3.3% QoQ	-1.00%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	20.57% +11.8% YoY -12.7% QoQ	-1.45%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.18% -7.5% YoY -0.1% QoQ	-0.45%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	13.39% -3.2% YoY +1.9% QoQ	-2.44%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.04% -17.3% YoY -78.3% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	16%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Efficiency Drag

risk

#206 of 414 • Bottom 49.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 81.87%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2418

Total Assets

size

Value: $133.59M

Peer Median: $386.08M

#2418 of 2664 Bottom 9.3% in $100M-$1B

2406

Total Deposits

size

Value: $112.89M

Peer Median: $327.97M

#2406 of 2664 Bottom 9.7% in $100M-$1B

2317

Efficiency Ratio

profitability

Value: 81.87%

Peer Median: 65.29%

#2317 of 2664 Bottom 13.1% in $100M-$1B

2300

Total Loans

size

Value: $85.39M

Peer Median: $255.72M

#2300 of 2664 Bottom 13.7% in $100M-$1B

2242

Return on Assets

profitability

Value: 0.59%

Peer Median: 1.27%

#2242 of 2664 Bottom 15.9% in $100M-$1B

2235

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2235 of 2664 Bottom 16.1% in $100M-$1B

2144

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2144 of 2664 Bottom 19.6% in $100M-$1B