BlastPoint's Banking Scorecard
Farmers Trust and Savings Bank
Spencer, IA
Farmers Trust and Savings Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.11% below tier average
- + Delinquency Rate 0.11% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.15% below tier average
- - Non-Interest-Bearing Deposit Share 17.98% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.21% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$638.3M
+3.1% YoY
+1.3% QoQ
|
+$252.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
83% |
| Total Loans ? |
$492.0M
-3.1% YoY
-0.1% QoQ
|
+$236.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Top 11.9% in tier |
| Total Deposits ? |
$579.9M
+7.1% YoY
+1.9% QoQ
|
+$252.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Top 13.9% in tier |
| Return on Assets ? |
1.06%
+35.9% YoY
+0.5% QoQ
|
-0.21% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
42% |
| Net Interest Margin ? |
2.78%
+16.5% YoY
+7.3% QoQ
|
-1.15% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio ? |
57.18%
-13.9% YoY
-3.3% QoQ
|
-8.11% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
0.77%
+92.7% YoY
-34.1% QoQ
|
-0.11% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
84.83%
-9.5% YoY
-2.0% QoQ
|
+8.19% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
4.04%
-13.7% YoY
-0.8% QoQ
|
-17.98% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.8% in tier |
| Nonperforming Asset Ratio ? |
0.90%
+106.9% YoY
-2.1% QoQ
|
+0.26% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
11.26%
+9.4% YoY
+1.3% QoQ
|
-4.57% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.03%
-0.6% YoY
-82.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.1% 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.
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Metric Rankings
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