BlastPoint's Banking Scorecard

Farmers State Bank

$1B-$10B Specialty: Commercial IA FDIC cert 14209

Designations: ✓ Community bank

Marion, IA

9 branches across IA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits +4.4% year over year ($919.5M on the books).
Delinquency rate 0.22%.
Return on assets 2.17%.
Efficiency ratio 46.85% vs a 59.73% peer average.
Loan-to-deposit ratio 93.73% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

Farmers State Bank has 3 strengths but faces 2 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

+ Profitability Leader: Top 6.3% in tier
+ Credit Quality Leader: Top 19.0% in tier
+ Efficiency Ratio 12.88% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 39.6% in tier
- Net Interest Margin 0.24% below tier average

Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$1.1B +4.5% YoY -0.9% QoQ	-$1.7B	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Bottom 11.5% in tier
Total Loans ?	$861.8M +8.0% YoY +3.1% QoQ	-$1.1B	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$919.5M +4.4% YoY -1.4% QoQ	-$1.4B	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Bottom 9.5% in tier
Return on Assets ?	2.17% +62.3% YoY +28.3% QoQ	+0.77%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 7.3% in tier
Net Interest Margin ?	3.63% +18.2% YoY +3.9% QoQ	-0.24%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	45%
Efficiency Ratio ?	46.85% -22.3% YoY -11.5% QoQ	-12.88%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	0.22% -1.7% YoY -5.4% QoQ	-0.65%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	93.73% +3.5% YoY +4.6% QoQ	+8.69%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	19.01% +0.8% YoY -3.8% QoQ	-2.26%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	45%
Nonperforming Asset Ratio ?	0.17% +1.5% YoY -1.6% QoQ	-0.51%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	14.37% +2.3% YoY +1.8% QoQ	-0.47%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.40% +52.8% YoY +234.8% QoQ	-0.12%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	70%

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	19.0% +0.2pp YoY -0.8pp QoQ	-2.4pp	21.4%	17.8%	22.2%	45%
Brokered Deposits	4.4% +2.8pp YoY -0.9pp QoQ	-5.1pp	9.5%	6.0%	8.5%	44%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	8.0% +1.3pp YoY +0.8pp QoQ	-6.0pp	14.0%	12.8%	12.5%	34%
CRE	61.4% +0.9pp YoY +0.1pp QoQ	+11.4pp	50.0%	28.3%	41.4%	77%
1-4 Family	16.5% -1.4pp YoY -0.1pp QoQ	-9.9pp	26.4%	23.0%	31.3%	35%
Consumer	1.5% -0.2pp YoY -0.1pp QoQ	-3.3pp	4.7%	2.9%	5.0%	54%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	15.4%	19.7%	n/a
Leverage Ratio	14.4% +0.3pp YoY +0.3pp QoQ	+3.1pp	11.3%	12.4%	12.6%	91%
Total Capital Ratio	n/a	n/a	16.7%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	138 0 YoY 0 QoQ	-176	313	64	482	19%
Assets per Employee ($)	$8.1M +4.5% YoY -0.9% QoQ	-$2.4M	$10.5M	$8.9M	$8.8M	41%
Branch Count	9 0 YoY 0 QoQ	-11	20	5	18	25%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.0%	1.0%	22%
Allowance Coverage	5.26x -1.3% YoY +3.8% QoQ	-13.45x	18.71x	18.97x	20.23x	79%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	14%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.8% +5.8pp YoY +3.3pp QoQ	+3.2pp	12.6%	12.8%	11.6%	78%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	44%
Net Income ($, YTD)	$12.1M +73.0% YoY — QoQ	-$7.1M	$19.2M	$4.0M	$40.4M	48%

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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 (2)

Profitability Leader

growth

#15 of 222 • Top 6.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.17%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Credit Quality Leader

growth

#43 of 221 • Top 19.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.22%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#144 of 361 • Bottom 39.6% 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: 93.73%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.17%

Peer Median: 1.39%

#66 of 885 Top 7.3% in $1B-$10B

137

Efficiency Ratio

profitability

Value: 46.85%

Peer Median: 59.73%

#137 of 885 Top 15.4% in $1B-$10B

203

Delinquency Rate

credit_quality

Value: 0.22%

Peer Median: 0.87%

#203 of 882 Top 22.9% in $1B-$10B

208

Nonperforming Asset Ratio

credit_quality

Value: 0.17%

Peer Median: 0.67%

#208 of 885 Top 23.4% in $1B-$10B

Top Weaknesses (3 metrics)

802

Total Deposits

size

Value: $919.51M

Peer Median: $2.32B

#802 of 885 Bottom 9.5% in $1B-$10B

784

Total Assets

size

Value: $1.12B

Peer Median: $2.79B

#784 of 885 Bottom 11.5% in $1B-$10B

713

Total Loans

size

Value: $861.84M

Peer Median: $1.96B

#713 of 885 Bottom 19.5% in $1B-$10B