BlastPoint's Banking Scorecard

Farmers Savings Bank

$100M-$1B Specialty: Commercial WI FDIC cert 13025

Mineral Point, WI

5 branches across WI

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 110 in WI.
Deposits +5.2% year over year ($404.0M on the books).
Delinquency rate 0.05%.
Return on assets 1.75%.
Efficiency ratio 52.85% vs a 64.48% peer average.
Loan-to-deposit ratio 56.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI

View $100M-$1B leaderboard (WI) →

Farmers Savings Bank has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 35.4% in tier
+ Efficiency Ratio 11.63% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.94% below tier average

Get updates when Farmers Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$461.2M +6.6% YoY +0.7% QoQ	+$74.6M	$386.6M +1.2% YoY	$1.2B +13.5% YoY	$6.3B +7.7% YoY	68%
Total Loans ?	$228.8M +7.3% YoY -1.5% QoQ	-$29.5M	$258.3M +1.7% YoY	$860.4M +13.3% YoY	$3.2B +9.4% YoY	54%
Total Deposits ?	$404.0M +5.2% YoY -0.5% QoQ	+$77.3M	$326.7M +0.7% YoY	$935.5M +13.1% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.75% +37.9% YoY +22.9% QoQ	+0.43%	1.32% +10.8% YoY	1.56% +18.6% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.05% +0.4% YoY +2.3% QoQ	-0.94%	3.99% +5.0% YoY	3.83% +8.5% YoY	3.95% +4.9% YoY	Bottom 11.2% in tier
Efficiency Ratio ?	52.85% -12.8% YoY -6.8% QoQ	-11.63%	64.48% -3.2% YoY	62.90% -5.1% YoY	70.05% +2.5% YoY	77%
Delinquency Rate ?	0.05% -92.0% YoY +1.5% QoQ	-0.87%	0.92% +15.7% YoY	0.85% +12.5% YoY	0.98% +16.3% YoY	80%
Loan-to-Deposit Ratio ?	56.63% +2.0% YoY -1.0% QoQ	-21.32%	77.95% +1.0% YoY	87.22% +0.9% YoY	79.03% +2.3% YoY	Top 14.0% in tier
Non-Interest-Bearing Deposit Share ?	21.75% -8.3% YoY -0.4% QoQ	-0.28%	22.03% -0.6% YoY	18.65% -1.9% YoY	21.98% -0.6% YoY	53%
Nonperforming Asset Ratio ?	0.02% -92.0% YoY -0.7% QoQ	-0.65%	0.67% +16.4% YoY	0.63% +16.4% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	20.06% +18.8% YoY +10.1% QoQ	+4.15%	15.91% +1.4% YoY	15.02% +1.5% YoY	17.09% +0.8% YoY	Top 13.5% in tier
Non-Interest Income / Assets ?	0.24% +3.5% YoY +115.0% QoQ	-0.32%	0.57% +7.6% YoY	2.21% +12.7% YoY	0.66% +5.2% YoY	62%

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 (WI)	National Avg	Tier Percentile
Noninterest-Bearing	21.7% -2.0pp YoY -0.1pp QoQ	-0.4pp	22.1%	18.9%	22.2%	53%
Brokered Deposits	0.2% 0.0pp YoY 0.0pp QoQ	-7.6pp	7.9%	9.2%	8.5%	8%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
C&I	14.6% +1.0pp YoY 0.0pp QoQ	+3.0pp	11.6%	10.5%	12.5%	74%
CRE	36.8% +2.2pp YoY +0.3pp QoQ	-2.7pp	39.5%	46.4%	41.4%	47%
1-4 Family	28.8% +1.9pp YoY +2.2pp QoQ	-3.9pp	32.6%	32.3%	31.3%	48%
Consumer	2.7% -0.7pp YoY -0.1pp QoQ	-1.4pp	4.1%	2.6%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
CET1 Ratio	20.1% +3.2pp YoY +1.8pp QoQ	+1.2pp	18.8%	15.5%	19.7%	78%
Leverage Ratio	11.2% +0.6pp YoY +0.3pp QoQ	-0.9pp	12.2%	12.6%	12.6%	54%
Total Capital Ratio	21.1% +3.1pp YoY +1.8pp QoQ	+1.1pp	19.9%	16.6%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Full-Time Employees	56 -3 (-5.1%) YoY 0 QoQ	-3	58	134	482	60%
Assets per Employee ($)	$8.2M +12.4% YoY +0.7% QoQ	+$717K	$7.5M	$8.2M	$8.8M	71%
Branch Count	5 0 YoY 0 QoQ	0	4	9	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% -0.5pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.9%	1.0%	11%
Allowance Coverage	21.85x +997.8% YoY -7.7% QoQ	-2.30x	24.15x	56.89x	20.23x	89%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.0%	0.2%	43%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
ROE	16.5% +2.9pp YoY +3.0pp QoQ	+4.3pp	12.2%	11.8%	11.6%	75%
Cost of Funds (YTD)	1.8% +0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	58%
Net Income ($, YTD)	$4.0M +47.4% YoY — QoQ	+$1.4M	$2.6M	$7.9M	$40.4M	80%

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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 (1)

Profitability Leader

growth

#235 of 661 • Top 35.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.75%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

357

Tier 1 Capital Ratio

capital

Value: 20.06%

Peer Median: 15.91%

#357 of 2643 Top 13.5% in $100M-$1B

371

Loan-to-Deposit Ratio

liquidity

Value: 56.63%

Peer Median: 77.95%

#371 of 2643 Top 14.0% in $100M-$1B

448

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#448 of 2643 Top 16.9% in $100M-$1B

539

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#539 of 2633 Top 20.4% in $100M-$1B

583

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.32%

#583 of 2643 Top 22.0% in $100M-$1B

601

Efficiency Ratio

profitability

Value: 52.85%

Peer Median: 64.48%

#601 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2348

Net Interest Margin

profitability

Value: 3.05%

Peer Median: 3.99%

#2348 of 2643 Bottom 11.2% in $100M-$1B