BlastPoint's Banking Scorecard
The Farmers State Bank
New Madison, OH
9 branches across OH · IN
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 96 in OH.
- Deposits +31.6% year over year ($289.6M on the books).
- Delinquency rate 0.29%.
- Return on assets 1.34%.
- Efficiency ratio 57.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.14% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 7.22% below tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 34.0% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.6M
+29.6% YoY
-1.0% QoQ
|
-$57.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$232.1M
+26.7% YoY
+0.5% QoQ
|
-$26.2M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$289.6M
+31.6% YoY
-0.5% QoQ
|
-$37.1M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
53% |
| Return on Assets ? |
1.34%
+7.5% YoY
+9.9% QoQ
|
+0.01% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.10%
+7.6% YoY
+4.7% QoQ
|
+0.11% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
57.26%
-8.5% YoY
-3.9% QoQ
|
-7.22% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
0.29%
+328.7% YoY
-58.7% QoQ
|
-0.63% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
80.14%
-3.8% YoY
+1.1% QoQ
|
+2.19% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
16.29%
-3.9% YoY
-6.7% QoQ
|
-5.74% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.20%
+319.1% YoY
-58.0% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
10.86%
-19.1% YoY
+4.0% QoQ
|
-5.05% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.22%
-37.2% YoY
+106.3% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
55% |
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.3%
-0.7pp YoY -1.2pp QoQ |
-5.9pp | 22.1% | 18.8% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.6%
+0.5pp YoY +0.1pp QoQ |
-6.9pp | 11.6% | 10.2% | 12.5% | 18% |
| CRE |
14.4%
-0.7pp YoY 0.0pp QoQ |
-25.1pp | 39.5% | 34.2% | 41.4% | 10% |
| 1-4 Family |
44.8%
+3.5pp YoY +0.1pp QoQ |
+12.2pp | 32.6% | 50.0% | 31.3% | 77% |
| Consumer |
5.4%
0.0pp YoY -0.2pp QoQ |
+1.3pp | 4.1% | 4.7% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
10.9%
-2.6pp YoY +0.4pp QoQ |
-1.3pp | 12.2% | 12.9% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
65
+10 (+18.2%) YoY -1 (-1.5%) QoQ |
+6 | 58 | 2,433 | 482 | 67% |
| Assets per Employee ($) |
$5.1M
+9.6% YoY +0.5% QoQ |
-$2.4M | $7.5M | $7.6M | $8.8M | 16% |
| Branch Count |
9
+1 (+12.5%) YoY 0 QoQ |
+4 | 4 | 81 | 18 | 86% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
+0.1pp YoY -0.4pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.4% | 66% |
| Nonaccrual |
0.1%
0.0pp QoQ |
-0.9pp | 0.9% | 0.6% | 1.0% | 16% |
| Allowance Coverage |
4.07x
-79.2% YoY +145.7% QoQ |
-20.09x | 24.15x | 18.95x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+1.4pp YoY +0.9pp QoQ |
-0.1pp | 12.2% | 9.7% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.7% | 1.7% | 48% |
| Net Income ($, YTD) |
$2.2M
+43.6% YoY — QoQ |
-$348K | $2.6M | $259.3M | $40.4M | 56% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.