BlastPoint's Banking Scorecard
Farmers State Bank
Mountain City, TN
3 branches across TN
Farmers State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.84% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency Ratio 11.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$229.9M
+4.9% YoY
+0.2% QoQ
|
-$156.2M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$137.6M
+11.0% YoY
+1.3% QoQ
|
-$118.1M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$203.1M
+3.0% YoY
+2.8% QoQ
|
-$124.9M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
0.76%
+3.1% YoY
-10.9% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.90%
+9.9% YoY
+2.0% QoQ
|
-0.03% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
76.48%
+2.1% YoY
+9.6% QoQ
|
+11.20% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.04%
-60.3% YoY
-70.2% QoQ
|
-0.84% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
67.76%
+7.8% YoY
-1.4% QoQ
|
-8.87% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
24.61%
-1.2% YoY
-2.5% QoQ
|
+2.59% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.03%
-57.9% YoY
-69.9% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
18.74%
+2.1% YoY
+0.6% QoQ
|
+2.91% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.13%
+6.9% YoY
-74.2% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
66% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.