BlastPoint's Banking Scorecard

Farmers State Bank & Trust Co.

$100M-$1B Specialty: Commercial LA FDIC cert 16114

Designations: ✓ CDFI-certified

Church Point, LA

5 branches across LA

2664 banks in the $100M-$1B peer group nationally 74 in LA

Farmers State Bank & Trust Co. has 3 strengths but faces 3 concerns

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 0.57% above tier average
+ Net Interest Margin 0.30% above tier average
+ Efficiency Ratio 5.51% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 8.4% in tier
- Margin Compression: Bottom 64.6% in tier
- Delinquency Rate 2.13% above tier average

Get updates when Farmers State Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$174.2M +0.6% YoY +2.1% QoQ	-$211.9M	$386.1M +0.5% YoY	$784.8M +7.0% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$76.6M +1.4% YoY -2.3% QoQ	-$179.1M	$255.7M +1.1% YoY	$523.7M +4.0% YoY	$3.2B +10.8% YoY	Bottom 9.7% in tier
Total Deposits ?	$159.6M +0.2% YoY +3.3% QoQ	-$168.4M	$328.0M +0.1% YoY	$671.5M +6.9% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	1.84% -10.9% YoY -8.6% QoQ	+0.57%	1.27% +12.9% YoY	1.24% +12.4% YoY	1.23% +13.4% YoY	83%
Net Interest Margin ?	4.23% +0.1% YoY -3.2% QoQ	+0.30%	3.93% +6.0% YoY	4.12% +1.2% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	59.78% +8.9% YoY +5.1% QoQ	-5.51%	65.29% -4.5% YoY	70.37% -1.0% YoY	66.95% -4.1% YoY	60%
Delinquency Rate ?	3.02% +248.5% YoY +562.2% QoQ	+2.13%	0.89% +18.8% YoY	1.51% +4.5% YoY	0.95% +18.8% YoY	Bottom 6.1% in tier
Loan-to-Deposit Ratio ?	47.99% +1.2% YoY -5.3% QoQ	-28.65%	76.64% +0.8% YoY	75.16% -1.5% YoY	76.70% +0.9% YoY	Top 8.1% in tier
Non-Interest-Bearing Deposit Share ?	32.30% -2.6% YoY +4.1% QoQ	+10.28%	22.02% -1.0% YoY	24.55% -1.4% YoY	22.01% -1.2% YoY	Top 13.5% in tier
Nonperforming Asset Ratio ?	1.33% +138.2% YoY +534.3% QoQ	+0.69%	0.64% +19.7% YoY	1.07% +4.2% YoY	0.67% +19.3% YoY	Bottom 13.8% in tier
Tier 1 Capital Ratio ?	9.10% -0.3% YoY -8.6% QoQ	-6.73%	15.83% +1.5% YoY	16.56% +0.4% YoY	17.06% +0.8% YoY	Bottom 1.4% in tier
Non-Interest Income / Assets ?	0.14% -2.2% YoY -74.0% QoQ	-0.14%	0.28% +9.3% YoY	0.11% -17.3% YoY	0.32% +4.1% YoY	72%

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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 (2)

Capital Thin

risk

#57 of 666 • Bottom 8.4% 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: 9.10%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Margin Compression

decline

#198 of 305 • Bottom 64.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 (3 metrics)

216

Loan-to-Deposit Ratio

liquidity

Value: 47.99%

Peer Median: 76.64%

#216 of 2664 Top 8.1% in $100M-$1B

360

Non-Interest-Bearing Deposit Share

funding

Value: 32.30%

Peer Median: 22.02%

#360 of 2664 Top 13.5% in $100M-$1B

456

Return on Assets

profitability

Value: 1.84%

Peer Median: 1.27%

#456 of 2664 Top 17.1% in $100M-$1B

Top Weaknesses (6 metrics)

2627

Tier 1 Capital Ratio

capital

Value: 9.10%

Peer Median: 15.83%

#2627 of 2664 Bottom 1.4% in $100M-$1B

2494

Delinquency Rate

credit_quality

Value: 3.02%

Peer Median: 0.89%

#2494 of 2654 Bottom 6.1% in $100M-$1B

2406

Total Loans

size

Value: $76.59M

Peer Median: $255.72M

#2406 of 2664 Bottom 9.7% in $100M-$1B

2298

Nonperforming Asset Ratio

credit_quality

Value: 1.33%

Peer Median: 0.64%

#2298 of 2664 Bottom 13.8% in $100M-$1B

2122

Total Assets

size

Value: $174.17M

Peer Median: $386.08M

#2122 of 2664 Bottom 20.4% in $100M-$1B

2035

Total Deposits

size

Value: $159.60M

Peer Median: $327.97M

#2035 of 2664 Bottom 23.6% in $100M-$1B