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

884 banks in the $1B-$10B peer group nationally 17 in IN

Farmers State Bank demonstrates 4 strengths

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

+ ROA 0.40% above tier average
+ Net Interest Margin 0.12% above tier average
+ Efficiency Ratio 12.32% below tier average
+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$1.3B +1.9% YoY -1.2% QoQ	-$1.6B	$2.8B -0.1% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	21%
Total Loans ?	$886.5M +6.7% YoY +0.9% QoQ	-$1.1B	$2.0B +0.6% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$1.1B +0.9% YoY -1.5% QoQ	-$1.2B	$2.3B -0.3% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	1.77% +16.7% YoY +8.2% QoQ	+0.40%	1.37% +19.6% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	3.94% +13.3% YoY +5.8% QoQ	+0.12%	3.82% +6.9% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	48.74% -5.1% YoY -2.1% QoQ	-12.32%	61.06% -4.6% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	81%
Delinquency Rate ?	0.57% +647.0% YoY -1.0% QoQ	-0.31%	0.89% +14.1% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	79.82% +5.8% YoY +2.4% QoQ	-4.39%	84.20% +0.3% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	67%
Non-Interest-Bearing Deposit Share ?	25.56% +12.2% YoY -1.9% QoQ	+4.27%	21.29% -2.5% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	73%
Nonperforming Asset Ratio ?	0.40% +682.6% YoY +1.0% QoQ	-0.27%	0.67% +15.6% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	53%
Tier 1 Capital Ratio ?	16.96% +2.3% YoY -1.0% QoQ	+1.80%	15.16% +2.0% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	Top 14.8% in tier
Non-Interest Income / Assets ?	0.12% -7.8% YoY -77.5% QoQ	-0.14%	0.26% +1.6% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	41%

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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 (0)

No matched concern signatures this quarter

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 884 peers in $1B-$10B

Top Strengths (3 metrics)

132

Tier 1 Capital Ratio

capital

Value: 16.96%

Peer Median: 15.16%

#132 of 884 Top 14.8% in $1B-$10B

152

Return on Assets

profitability

Value: 1.77%

Peer Median: 1.37%

#152 of 884 Top 17.1% in $1B-$10B

165

Efficiency Ratio

profitability

Value: 48.74%

Peer Median: 61.06%

#165 of 884 Top 18.6% in $1B-$10B

Top Weaknesses (3 metrics)

701

Total Assets

size

Value: $1.26B

Peer Median: $2.82B

#701 of 884 Bottom 20.8% in $1B-$10B

682

Total Loans

size

Value: $886.55M

Peer Median: $1.96B

#682 of 884 Bottom 23.0% in $1B-$10B

676

Total Deposits

size

Value: $1.11B

Peer Median: $2.34B

#676 of 884 Bottom 23.6% in $1B-$10B