BlastPoint's Banking Scorecard

Farmers Trust & Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14392

Williamsburg, IA

2 branches across IA

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

Farmers Trust & Savings Bank has 5 strengths but faces 1 concern

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 20.1% in tier
+ Revenue Diversifier: Top 26.3% in tier
+ Efficiency Ratio 22.57% below tier average
+ Net Interest Margin 0.55% above tier average
+ Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 11.2% in tier

Get updates when Farmers Trust & Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$198.4M +2.1% YoY -0.6% QoQ	-$187.7M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$147.2M +9.0% YoY +2.1% QoQ	-$108.5M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$152.4M +0.6% YoY -0.9% QoQ	-$175.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	22%
Return on Assets ?	2.70% +13.2% YoY +13.9% QoQ	+1.43%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 3.4% in tier
Net Interest Margin ?	4.48% +5.6% YoY +1.5% QoQ	+0.55%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	42.72% +1.1% YoY -6.6% QoQ	-22.57%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 6.3% in tier
Delinquency Rate ?	0.24% -21.6% YoY +50.3% QoQ	-0.65%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	96.59% +8.4% YoY +3.1% QoQ	+19.95%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 12.9% in tier
Non-Interest-Bearing Deposit Share ?	20.19% -11.3% YoY +4.5% QoQ	-1.83%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	46%
Nonperforming Asset Ratio ?	0.21% -1.1% YoY +82.4% QoQ	-0.43%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	22.31% +1.3% YoY +1.6% QoQ	+6.48%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 9.5% in tier
Non-Interest Income / Assets ?	0.19% +97.5% YoY -61.2% QoQ	-0.09%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	84%

Get Full Access to Farmers Trust & Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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

#135 of 666 • Top 20.1% in tier

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

Why this signature

Return on Assets: 2.70%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Revenue Diversifier

growth

#176 of 666 • Top 26.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.19%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.70%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#84 of 739 • Bottom 11.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 22.31%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 96.59%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 (5 metrics)

Return on Assets

profitability

Value: 2.70%

Peer Median: 1.27%

#91 of 2664 Top 3.4% in $100M-$1B

168

Efficiency Ratio

profitability

Value: 42.72%

Peer Median: 65.29%

#168 of 2664 Top 6.3% in $100M-$1B

255

Tier 1 Capital Ratio

capital

Value: 22.31%

Peer Median: 15.83%

#255 of 2664 Top 9.5% in $100M-$1B

425

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#425 of 2664 Top 15.9% in $100M-$1B

502

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.93%

#502 of 2664 Top 18.8% in $100M-$1B

Top Weaknesses (2 metrics)

2321

Loan-to-Deposit Ratio

liquidity

Value: 96.59%

Peer Median: 76.64%

#2321 of 2664 Bottom 12.9% in $100M-$1B

2077

Total Deposits

size

Value: $152.44M

Peer Median: $327.97M

#2077 of 2664 Bottom 22.1% in $100M-$1B