BlastPoint's Banking Scorecard

Farmers Trust and Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14195

Buffalo Center, IA

6 branches across IA · MN

2664 banks in the $100M-$1B peer group nationally 166 in IA

Farmers Trust and Savings Bank has 3 strengths but faces 3 concerns

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

+ ROA 0.09% above tier average
+ Efficiency Ratio 2.47% below tier average
+ Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 16.4% in tier
- Liquidity Strain: Bottom 40.8% in tier
- Net Interest Margin 0.29% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$360.9M +1.6% YoY -2.1% QoQ	-$25.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$322.2M +2.3% YoY +2.4% QoQ	+$66.5M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	71%
Total Deposits ?	$318.6M +3.9% YoY +2.5% QoQ	-$9.4M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.36% +13.2% YoY -2.7% QoQ	+0.09%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	59%
Net Interest Margin ?	3.64% +14.9% YoY +3.2% QoQ	-0.29%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	62.82% -0.7% YoY +2.6% QoQ	-2.47%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	51%
Delinquency Rate ?	0.10% -87.3% YoY +4.6% QoQ	-0.79%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	101.14% -1.6% YoY -0.0% QoQ	+24.50%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 7.5% in tier
Non-Interest-Bearing Deposit Share ?	20.07% +2.4% YoY -4.4% QoQ	-1.95%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.09% -87.3% YoY +9.4% QoQ	-0.55%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	10.07% -11.8% YoY -13.5% QoQ	-5.76%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 10.5% in tier
Non-Interest Income / Assets ?	0.10% +10.3% YoY -76.8% QoQ	-0.18%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	52%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#110 of 666 • Bottom 16.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.07%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Liquidity Strain

risk

#263 of 643 • Bottom 40.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 101.14%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2466

Loan-to-Deposit Ratio

liquidity

Value: 101.14%

Peer Median: 76.64%

#2466 of 2664 Bottom 7.5% in $100M-$1B

2385

Tier 1 Capital Ratio

capital

Value: 10.07%

Peer Median: 15.83%

#2385 of 2664 Bottom 10.5% in $100M-$1B