BlastPoint's Banking Scorecard
Farmers State Bank
Mountain City, TN
3 branches across TN
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 72 in TN.
- Deposits -0.8% year over year ($194.3M on the books).
- Delinquency rate 0.84%.
- Return on assets 0.77%.
- Efficiency ratio 74.31% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.09% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.55% below tier average
- - Net Interest Margin 0.08% below tier average
- - Efficiency Ratio 9.83% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.6M
+6.5% YoY
+1.2% QoQ
|
-$154.0M |
$386.6M
+1.2% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$145.9M
+16.5% YoY
+6.0% QoQ
|
-$112.4M |
$258.3M
+1.7% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$194.3M
-0.8% YoY
-4.3% QoQ
|
-$132.4M |
$326.7M
+0.7% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
0.77%
-2.9% YoY
+0.9% QoQ
|
-0.55% |
1.32%
+10.8% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.91%
+6.6% YoY
+0.2% QoQ
|
-0.08% |
3.99%
+5.0% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
74.31%
+0.6% YoY
-2.8% QoQ
|
+9.83% |
64.48%
-3.2% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.84%
+353.4% YoY
|
-0.08% |
0.92%
+15.7% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
75.09%
+17.4% YoY
+10.8% QoQ
|
-2.86% |
77.95%
+1.0% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
25.82%
-2.7% YoY
+4.9% QoQ
|
+3.79% |
22.03%
-0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.53%
+396.3% YoY
|
-0.14% |
0.67%
+16.4% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
18.20%
-12.2% YoY
-2.9% QoQ
|
+2.29% |
15.91%
+1.4% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.25%
-1.5% YoY
+94.7% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
63% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.8%
-0.7pp YoY +1.2pp QoQ |
+3.7pp | 22.1% | 18.8% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
-2.4pp YoY -0.6pp QoQ |
-5.6pp | 11.6% | 10.9% | 12.5% | 26% |
| CRE |
36.6%
0.0pp YoY -1.2pp QoQ |
-3.0pp | 39.5% | 42.4% | 41.4% | 46% |
| 1-4 Family |
48.0%
+1.7pp YoY +1.5pp QoQ |
+15.3pp | 32.6% | 39.8% | 31.3% | 80% |
| Consumer |
7.3%
+0.9pp YoY +0.1pp QoQ |
+3.2pp | 4.1% | 4.5% | 5.0% | 86% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.2%
-2.5pp YoY -0.5pp QoQ |
-0.6pp | 18.8% | 14.8% | 19.7% | 70% |
| Leverage Ratio |
12.6%
-0.1pp YoY +0.1pp QoQ |
+0.5pp | 12.2% | 11.4% | 12.6% | 72% |
| Total Capital Ratio |
19.4%
-2.5pp YoY -0.5pp QoQ |
-0.5pp | 19.9% | 15.9% | 20.8% | 71% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
48
+1 (+2.1%) YoY -1 (-2.0%) QoQ |
-11 | 58 | 270 | 482 | 50% |
| Assets per Employee ($) |
$4.8M
+4.3% YoY +3.3% QoQ |
-$2.7M | $7.5M | $7.1M | $8.8M | 12% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 17 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 30% |
| Nonaccrual |
0.8%
+0.7pp YoY +0.8pp QoQ |
-0.1pp | 0.9% | 0.7% | 1.0% | 67% |
| Allowance Coverage |
1.48x
-77.7% YoY -94.9% QoQ |
-22.67x | 24.15x | 28.97x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
-1.0pp YoY +0.1pp QoQ |
-4.4pp | 12.2% | 10.9% | 11.6% | 24% |
| Cost of Funds (YTD) |
1.4%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 2.0% | 1.7% | 33% |
| Net Income ($, YTD) |
$890,000
+2.7% YoY — QoQ |
-$1.7M | $2.6M | $16.7M | $40.4M | 23% |
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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.