BlastPoint's Banking Scorecard
Farmers Trust and Savings Bank
Buffalo Center, IA
6 branches across IA · MN
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 167 in IA.
- Deposits +24.6% year over year ($373.8M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.58%.
- Efficiency ratio 59.83% vs a 64.48% peer average.
- Loan-to-deposit ratio 96.00% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Trust and Savings Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.26% above tier average
- + Efficiency Ratio 4.65% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.10% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$422.7M
+20.1% YoY
+17.1% QoQ
|
+$36.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$358.8M
+15.4% YoY
+11.4% QoQ
|
+$100.5M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$373.8M
+24.6% YoY
+17.3% QoQ
|
+$47.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
66% |
| Return on Assets ? |
1.58%
+20.5% YoY
+16.8% QoQ
|
+0.26% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
3.88%
+16.4% YoY
+6.6% QoQ
|
-0.10% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
59.83%
-2.4% YoY
-4.8% QoQ
|
-4.65% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
58% |
| Delinquency Rate ? |
0.06%
-91.9% YoY
-35.0% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
96.00%
-7.3% YoY
-5.1% QoQ
|
+18.05% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 15.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.55%
+7.5% YoY
-2.6% QoQ
|
-2.48% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.05%
-92.2% YoY
-38.2% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
9.91%
-12.2% YoY
-1.6% QoQ
|
-6.00% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 9.4% in tier |
| Non-Interest Income / Assets ? |
0.24%
+24.1% YoY
+140.4% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
61% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.5%
+1.4pp YoY -0.5pp QoQ |
-2.6pp | 22.1% | 17.8% | 22.2% | 43% |
| Brokered Deposits |
1.3%
-4.0pp YoY -1.8pp QoQ |
-6.5pp | 7.9% | 6.0% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.5%
-2.3pp YoY -0.4pp QoQ |
-3.1pp | 11.6% | 12.8% | 12.5% | 44% |
| CRE |
5.8%
-0.6pp YoY -0.7pp QoQ |
-33.8pp | 39.5% | 28.3% | 41.4% | 1% |
| 1-4 Family |
8.6%
+1.0pp YoY +1.1pp QoQ |
-24.1pp | 32.6% | 23.0% | 31.3% | 9% |
| Consumer |
1.1%
-0.3pp YoY 0.0pp QoQ |
-3.0pp | 4.1% | 2.9% | 5.0% | 31% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
9.9%
-1.4pp YoY -0.2pp QoQ |
-2.3pp | 12.2% | 12.4% | 12.6% | 29% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
+9 (+20.0%) YoY +9 (+20.0%) QoQ |
-5 | 58 | 64 | 482 | 57% |
| Assets per Employee ($) |
$7.8M
+0.1% YoY -2.4% QoQ |
+$309K | $7.5M | $8.9M | $8.8M | 65% |
| Branch Count |
6
+1 (+20.0%) YoY +1 (+20.0%) QoQ |
+1 | 4 | 5 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 42% |
| Nonaccrual |
0.0%
-0.8pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 1% |
| Allowance Coverage |
24.07x
+1045.9% YoY +45.8% QoQ |
-0.08x | 24.15x | 18.97x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.6%
+3.0pp YoY +1.9pp QoQ |
+2.4pp | 12.2% | 12.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 69% |
| Net Income ($, YTD) |
$3.0M
+30.7% YoY — QoQ |
+$485K | $2.6M | $4.0M | $40.4M | 70% |
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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.