BlastPoint's Banking Scorecard
Farmers Savings Bank
Wever, IA
3 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 -0.1% year over year ($111.0M on the books).
- Delinquency rate 0.27%.
- Return on assets 0.65%.
- Efficiency ratio 79.75% vs a 64.48% peer average.
- Loan-to-deposit ratio 79.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 24.8% in tier
- - ROA 0.67% below tier average
- - Net Interest Margin 0.69% below tier average
- - Efficiency Ratio 15.27% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$130.5M
+1.2% YoY
-2.3% QoQ
|
-$256.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.4% in tier |
| Total Loans ? |
$88.3M
+3.5% YoY
+3.4% QoQ
|
-$170.1M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.9% in tier |
| Total Deposits ? |
$111.0M
-0.1% YoY
-1.7% QoQ
|
-$215.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 8.9% in tier |
| Return on Assets ? |
0.65%
+67.5% YoY
+9.9% QoQ
|
-0.67% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
3.30%
+13.0% YoY
+1.6% QoQ
|
-0.69% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
20% |
| Efficiency Ratio ? |
79.75%
-9.0% YoY
-2.6% QoQ
|
+15.27% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 14.1% in tier |
| Delinquency Rate ? |
0.27%
-8.6% YoY
-4.4% QoQ
|
-0.64% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
79.50%
+3.6% YoY
+5.1% QoQ
|
+1.55% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
21.13%
+3.4% YoY
+2.7% QoQ
|
-0.90% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.19%
-6.6% YoY
+1.1% QoQ
|
-0.48% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
13.71%
-1.9% YoY
+2.4% QoQ
|
-2.20% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.09%
-13.5% YoY
+99.4% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.1%
+0.7pp YoY +0.6pp QoQ |
-1.0pp | 22.1% | 17.8% | 22.2% | 50% |
| 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 |
18.1%
-0.4pp YoY -0.8pp QoQ |
+6.6pp | 11.6% | 12.8% | 12.5% | 84% |
| CRE |
15.8%
-0.6pp YoY |
-23.7pp | 39.5% | 28.3% | 41.4% | 11% |
| 1-4 Family |
32.9%
+3.1pp YoY +2.2pp QoQ |
+0.3pp | 32.6% | 23.0% | 31.3% | 58% |
| Consumer |
2.9%
+0.3pp YoY +0.1pp QoQ |
-1.2pp | 4.1% | 2.9% | 5.0% | 59% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
13.7%
-0.3pp YoY +0.3pp QoQ |
+1.5pp | 12.2% | 12.4% | 12.6% | 80% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY -1 (-4.2%) QoQ |
-36 | 58 | 64 | 482 | 15% |
| Assets per Employee ($) |
$5.7M
-3.2% YoY +1.9% QoQ |
-$1.8M | $7.5M | $8.9M | $8.8M | 26% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 36% |
| Allowance Coverage |
4.81x
+5.4% YoY +1.6% QoQ |
-19.34x | 24.15x | 18.97x | 20.23x | 70% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
+2.1pp YoY +0.4pp QoQ |
-6.2pp | 12.2% | 12.8% | 11.6% | 17% |
| Cost of Funds (YTD) |
1.9%
-0.4pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 62% |
| Net Income ($, YTD) |
$433,000
+73.9% YoY — QoQ |
-$2.1M | $2.6M | $4.0M | $40.4M | 9% |
Get Full Access to Farmers Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.