BlastPoint's Banking Scorecard
The Farmers Bank, Frankfort, Indiana
Designations: ✓ Community bank
Frankfort, IN
12 branches across IN
The Farmers Bank, Frankfort, Indiana has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.29% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8.8% in tier
- - Capital Thin: Bottom 37.1% in tier
- - ROA 0.38% below tier average
- - Net Interest Margin 0.34% below tier average
- - Efficiency Ratio 7.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.4% YoY
-1.5% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$2.5B
+12.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.5% in tier |
| Total Loans ? |
$782.7M
+2.7% YoY
-1.9% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.7B
+14.1% YoY
|
$3.2B
+10.8% YoY
|
Bottom 13.6% in tier |
| Total Deposits ? |
$921.0M
+13.3% YoY
-0.0% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.0B
+11.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.9% in tier |
| Return on Assets ? |
0.98%
+17.5% YoY
+2.2% QoQ
|
-0.38% |
1.37%
+19.6% YoY
|
0.81%
-6.6% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
3.47%
-0.8% YoY
-0.8% QoQ
|
-0.34% |
3.82%
+6.9% YoY
|
3.60%
+8.5% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
68.37%
-5.7% YoY
+0.4% QoQ
|
+7.31% |
61.06%
-4.6% YoY
|
105.71%
+27.0% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
0.59%
+20.3% YoY
+69.5% QoQ
|
-0.29% |
0.89%
+14.1% YoY
|
0.90%
+15.9% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
84.99%
-9.4% YoY
-1.9% QoQ
|
+0.78% |
84.20%
+0.3% YoY
|
81.10%
+0.7% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
27.50%
-6.7% YoY
+4.8% QoQ
|
+6.21% |
21.29%
-2.5% YoY
|
17.15%
-0.9% YoY
|
22.01%
-1.2% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.41%
+15.1% YoY
+68.8% QoQ
|
-0.26% |
0.67%
+15.6% YoY
|
0.67%
+21.6% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
10.03%
-1.4% YoY
+1.8% QoQ
|
-5.13% |
15.16%
+2.0% YoY
|
16.04%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.1% in tier |
| Non-Interest Income / Assets ? |
0.19%
+28.9% YoY
-67.8% QoQ
|
-0.06% |
0.26%
+1.6% YoY
|
0.79%
-14.5% YoY
|
0.32%
+4.1% YoY
|
70% |
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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 (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.