BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Waterloo, IA
8 branches across IA
Farmers State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.88% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 8.65% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 26.0% in tier
- - Net Interest Margin 0.86% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-2.7% YoY
-3.0% QoQ
|
-$1.2B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
38% |
| Total Loans ? |
$1.3B
-1.0% YoY
-1.4% QoQ
|
-$681.8M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
46% |
| Total Deposits ? |
$1.3B
+0.6% YoY
+1.0% QoQ
|
-$1.1B |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
1.33%
+88.9% YoY
+26.3% QoQ
|
-0.04% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
2.95%
+41.7% YoY
+20.8% QoQ
|
-0.86% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 14.9% in tier |
| Efficiency Ratio ? |
52.41%
-21.3% YoY
-7.1% QoQ
|
-8.65% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
0.01%
-25.4% YoY
-77.8% QoQ
|
-0.88% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 3.3% in tier |
| Loan-to-Deposit Ratio ? |
102.02%
-1.7% YoY
-2.4% QoQ
|
+17.81% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.48%
-3.9% YoY
-4.3% QoQ
|
-8.80% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.01%
-45.3% YoY
-77.5% QoQ
|
-0.67% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Top 3.7% in tier |
| Tier 1 Capital Ratio ? |
13.25%
+7.7% YoY
+3.3% QoQ
|
-1.91% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.06%
+14.2% YoY
-76.2% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.5% in tier |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.