BlastPoint's Banking Scorecard

Farmers State Bank

$1B-$10B Specialty: Other IN FDIC cert 14578

Designations: ✓ Community bank

Lagrange, IN

12 branches across IN · MI

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 16 in IN.
Deposits -0.1% year over year ($1.2B on the books).
Delinquency rate 0.02%.
Return on assets 1.85%.
Efficiency ratio 47.56% vs a 59.73% peer average.
Loan-to-deposit ratio 77.71% 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 16 in IN

View $1B-$10B leaderboard (IN) →

Farmers State 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

+ Delinquency Rate 0.85% below tier average
+ Nonperforming Asset Ratio 0.66% below tier average
+ ROA 0.46% above tier average
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 12.17% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.4% in tier

Get updates when Farmers State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$1.3B +1.2% YoY +4.3% QoQ	-$1.5B	$2.8B -0.6% YoY	$2.5B +3.7% YoY	$6.3B +7.7% YoY	23%
Total Loans ?	$902.1M +8.7% YoY +1.8% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.8B +5.7% YoY	$3.2B +9.4% YoY	25%
Total Deposits ?	$1.2B -0.1% YoY +4.5% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	27%
Return on Assets ?	1.85% +18.5% YoY +4.4% QoQ	+0.46%	1.39% +17.0% YoY	1.07% +3.3% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	4.04% +13.5% YoY +2.5% QoQ	+0.17%	3.87% +6.2% YoY	3.70% +8.1% YoY	3.95% +4.9% YoY	71%
Efficiency Ratio ?	47.56% -6.5% YoY -2.4% QoQ	-12.17%	59.73% -12.6% YoY	77.20% +13.2% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.02% -73.8% YoY -96.4% QoQ	-0.85%	0.87% +11.7% YoY	0.91% +27.8% YoY	0.98% +16.3% YoY	Top 5.9% in tier
Loan-to-Deposit Ratio ?	77.71% +8.8% YoY -2.6% QoQ	-7.33%	85.04% -0.1% YoY	81.91% +1.2% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	24.73% +7.3% YoY -3.3% QoQ	+3.46%	21.27% -1.5% YoY	16.57% -2.9% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.01% -71.8% YoY -96.5% QoQ	-0.66%	0.67% +11.7% YoY	0.69% +42.1% YoY	0.69% +15.8% YoY	Top 5.4% in tier
Tier 1 Capital Ratio ?	10.75% -36.6% YoY -36.6% QoQ	-4.09%	14.84% -0.4% YoY	16.20% +1.2% YoY	17.09% +0.8% YoY	Bottom 14.1% in tier
Non-Interest Income / Assets ?	0.25% -6.6% YoY +101.9% QoQ	-0.28%	0.53% +2.5% YoY	1.78% -1.3% YoY	0.66% +5.2% YoY	41%

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 (IN)	National Avg	Tier Percentile
Noninterest-Bearing	24.7% +1.7pp YoY -0.8pp QoQ	+3.4pp	21.4%	16.8%	22.2%	70%
Brokered Deposits	5.6% -1.0pp YoY +1.1pp QoQ	-3.9pp	9.5%	7.2%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
C&I	5.3% -0.9pp YoY +0.1pp QoQ	-8.7pp	14.0%	11.1%	12.5%	20%
CRE	20.6% -0.6pp YoY -0.8pp QoQ	-29.4pp	50.0%	36.2%	41.4%	4%
1-4 Family	52.8% -0.1pp YoY -0.3pp QoQ	+26.4pp	26.4%	40.0%	31.3%	91%
Consumer	1.9% -0.4pp YoY -0.1pp QoQ	-2.8pp	4.7%	3.2%	5.0%	62%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.5%	19.7%	n/a
Leverage Ratio	10.8% +0.8pp YoY 0.0pp QoQ	-0.6pp	11.3%	13.0%	12.6%	55%
Total Capital Ratio	n/a	n/a	16.7%	18.7%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Full-Time Employees	153 +7 (+4.8%) YoY +5 (+3.4%) QoQ	-161	313	237	482	23%
Assets per Employee ($)	$8.6M -3.5% YoY +0.9% QoQ	-$1.9M	$10.5M	$7.5M	$8.8M	49%
Branch Count	12 0 YoY 0 QoQ	-8	20	17	18	39%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.2%	0.4%	n/a
Nonaccrual	0.0% -0.1pp YoY -0.5pp QoQ	-0.8pp	0.8%	0.8%	1.0%	3%
Allowance Coverage	45.00x +293.9% YoY +2666.3% QoQ	+26.29x	18.71x	6.71x	20.23x	96%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	31%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
ROE	18.6% +1.2pp YoY +0.8pp QoQ	+6.0pp	12.6%	11.2%	11.6%	87%
Cost of Funds (YTD)	1.3% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.9%	1.8%	1.7%	14%
Net Income ($, YTD)	$11.9M +21.2% YoY — QoQ	-$7.4M	$19.2M	$16.3M	$40.4M	47%

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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 (1)

Capital Thin

risk

#33 of 222 • Bottom 14.4% 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: 10.75%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

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)

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.67%

#49 of 885 Top 5.4% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.87%

#53 of 882 Top 5.9% in $1B-$10B

146

Return on Assets

profitability

Value: 1.85%

Peer Median: 1.39%

#146 of 885 Top 16.4% in $1B-$10B

154

Efficiency Ratio

profitability

Value: 47.56%

Peer Median: 59.73%

#154 of 885 Top 17.3% in $1B-$10B

Top Weaknesses (3 metrics)

761

Tier 1 Capital Ratio

capital

Value: 10.75%

Peer Median: 14.84%

#761 of 885 Bottom 14.1% in $1B-$10B

679

Total Assets

size

Value: $1.31B

Peer Median: $2.79B

#679 of 885 Bottom 23.4% in $1B-$10B

668

Total Loans

size

Value: $902.10M

Peer Median: $1.96B

#668 of 885 Bottom 24.6% in $1B-$10B