BlastPoint's Banking Scorecard
Farmers Savings Bank
Colesburg, IA
7 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +5.9% year over year ($260.2M on the books).
- Delinquency rate 1.91%.
- Return on assets 0.85%.
- Efficiency ratio 67.82% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.16% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.07% below tier average
- - ROA 0.47% below tier average
- - Efficiency Ratio 3.34% above tier average
- - Delinquency Rate 0.99% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.1M
+6.5% YoY
+4.0% QoQ
|
-$87.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
46% |
| Total Loans ? |
$179.9M
+8.6% YoY
+3.8% QoQ
|
-$78.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$260.2M
+5.9% YoY
+3.5% QoQ
|
-$66.6M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
47% |
| Return on Assets ? |
0.85%
+16.9% YoY
-5.3% QoQ
|
-0.47% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
26% |
| Net Interest Margin ? |
2.91%
-0.5% YoY
+0.4% QoQ
|
-1.07% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio ? |
67.82%
-10.5% YoY
+3.9% QoQ
|
+3.34% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? |
1.91%
-13.3% YoY
-4.9% QoQ
|
+0.99% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.7% in tier |
| Loan-to-Deposit Ratio ? |
69.16%
+2.6% YoY
+0.4% QoQ
|
-8.79% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
9.93%
+0.2% YoY
-2.1% QoQ
|
-12.10% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.4% in tier |
| Nonperforming Asset Ratio ? |
1.20%
-12.6% YoY
-5.0% QoQ
|
+0.53% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
10.99%
+0.0% YoY
-0.5% QoQ
|
-4.92% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.12%
-15.6% YoY
+69.8% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
25% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
9.9%
0.0pp YoY -0.2pp QoQ |
-12.2pp | 22.1% | 17.8% | 22.2% | 10% |
| Brokered Deposits |
4.5%
-1.1pp YoY -0.5pp QoQ |
-3.3pp | 7.9% | 6.0% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.8%
+2.9pp YoY +1.2pp QoQ |
+4.2pp | 11.6% | 12.8% | 12.5% | 79% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
14.7%
+0.9pp YoY -0.4pp QoQ |
-17.9pp | 32.6% | 23.0% | 31.3% | 19% |
| Consumer |
3.2%
-0.5pp YoY -0.1pp QoQ |
-0.9pp | 4.1% | 2.9% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
11.0%
0.0pp YoY -0.1pp QoQ |
-1.2pp | 12.2% | 12.4% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+5 (+13.5%) YoY +4 (+10.5%) QoQ |
-17 | 58 | 64 | 482 | 44% |
| Assets per Employee ($) |
$7.1M
-6.2% YoY -5.9% QoQ |
-$397K | $7.5M | $8.9M | $8.8M | 54% |
| Branch Count |
7
+1 (+16.7%) YoY +1 (+16.7%) QoQ |
+2 | 4 | 5 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.5pp YoY -1.2pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 59% |
| Nonaccrual |
1.8%
+0.2pp YoY +1.1pp QoQ |
+0.8pp | 0.9% | 1.0% | 1.0% | 85% |
| Allowance Coverage |
1.14x
+6.5% YoY +1.2% QoQ |
-23.02x | 24.15x | 18.97x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
+1.3pp YoY -0.5pp QoQ |
-3.3pp | 12.2% | 12.8% | 11.6% | 30% |
| Cost of Funds (YTD) |
2.8%
-0.1pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.8% | 1.7% | 95% |
| Net Income ($, YTD) |
$1.3M
+29.0% YoY — QoQ |
-$1.3M | $2.6M | $4.0M | $40.4M | 35% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.