BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Marion, IA
9 branches across IA
Farmers State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16.8% in tier
- + Profitability Leader: Top 28.0% in tier
- + Efficiency Ratio 8.14% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.32% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.9% YoY
+1.7% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.8% in tier |
| Total Loans ? |
$836.0M
+8.8% YoY
-0.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
18% |
| Total Deposits ? |
$933.0M
+8.7% YoY
+2.4% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.8% in tier |
| Return on Assets ? |
1.69%
+55.9% YoY
+10.0% QoQ
|
+0.32% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
3.50%
+20.0% YoY
+7.4% QoQ
|
-0.32% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
52.92%
-20.1% YoY
-4.4% QoQ
|
-8.14% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.23%
-3.2% YoY
+41.2% QoQ
|
-0.66% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
89.60%
+0.1% YoY
-2.4% QoQ
|
+5.40% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
19.76%
+4.3% YoY
+8.0% QoQ
|
-1.53% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.17%
-10.5% YoY
+38.7% QoQ
|
-0.50% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
77% |
| Tier 1 Capital Ratio ? |
14.12%
-0.7% YoY
+1.4% QoQ
|
-1.04% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.12%
-7.8% YoY
-76.4% QoQ
|
-0.14% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.