BlastPoint's Banking Scorecard

The Farmers Bank

$100M-$1B Specialty: Commercial TN FDIC cert 1696

Portland, TN

11 branches across TN

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 72 in TN.
Deposits +5.3% year over year ($800.0M on the books).
Delinquency rate 0.54%.
Return on assets 1.67%.
Efficiency ratio 56.34% vs a 64.48% peer average.
Loan-to-deposit ratio 77.64% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 72 in TN

View $100M-$1B leaderboard (TN) →

The Farmers Bank has 4 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

+ ROA 0.34% above tier average
+ Net Interest Margin 0.77% above tier average
+ Efficiency Ratio 8.14% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 38.1% in tier

Get updates when The Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$942.8M +5.9% YoY -0.9% QoQ	+$556.2M	$386.6M +1.2% YoY	$2.9B +37.8% YoY	$6.3B +7.7% YoY	Top 2.0% in tier
Total Loans ?	$621.1M +5.3% YoY +0.5% QoQ	+$362.8M	$258.3M +1.7% YoY	$2.1B +37.6% YoY	$3.2B +9.4% YoY	Top 5.1% in tier
Total Deposits ?	$800.0M +5.3% YoY -1.4% QoQ	+$473.3M	$326.7M +0.7% YoY	$2.4B +35.4% YoY	$4.9B +7.3% YoY	Top 2.2% in tier
Return on Assets ?	1.67% +1.4% YoY -0.6% QoQ	+0.34%	1.32% +10.8% YoY	1.13% +12.0% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	4.75% +0.4% YoY +1.8% QoQ	+0.77%	3.99% +5.0% YoY	3.99% +5.6% YoY	3.95% +4.9% YoY	Top 12.8% in tier
Efficiency Ratio ?	56.34% +1.9% YoY +1.3% QoQ	-8.14%	64.48% -3.2% YoY	65.40% -4.8% YoY	70.05% +2.5% YoY	68%
Delinquency Rate ?	0.54% -22.9% YoY -8.9% QoQ	-0.38%	0.92% +15.7% YoY	0.70% +6.5% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	77.64% +0.1% YoY +2.0% QoQ	-0.31%	77.95% +1.0% YoY	81.19% +2.5% YoY	79.03% +2.3% YoY	54%
Non-Interest-Bearing Deposit Share ?	25.48% -9.8% YoY -2.8% QoQ	+3.45%	22.03% -0.6% YoY	18.80% -1.8% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.35% -23.3% YoY -7.6% QoQ	-0.32%	0.67% +16.4% YoY	0.58% +9.8% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	20.50% +4.8% YoY +1.6% QoQ	+4.60%	15.91% +1.4% YoY	14.06% -1.8% YoY	17.09% +0.8% YoY	Top 12.7% in tier
Non-Interest Income / Assets ?	0.33% -32.2% YoY +114.5% QoQ	-0.24%	0.57% +7.6% YoY	0.34% -6.5% YoY	0.66% +5.2% YoY	77%

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 (TN)	National Avg	Tier Percentile
Noninterest-Bearing	25.5% -2.8pp YoY -0.7pp QoQ	+3.3pp	22.1%	18.8%	22.2%	67%
Brokered Deposits	n/a	n/a	7.9%	9.4%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
C&I	8.1% -0.4pp YoY 0.0pp QoQ	-3.5pp	11.6%	10.9%	12.5%	41%
CRE	49.7% +1.5pp YoY -0.6pp QoQ	+10.2pp	39.5%	42.4%	41.4%	70%
1-4 Family	37.4% -1.1pp YoY +0.4pp QoQ	+4.7pp	32.6%	39.8%	31.3%	66%
Consumer	1.1% -0.1pp YoY 0.0pp QoQ	-3.0pp	4.1%	4.5%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
CET1 Ratio	20.5% +0.9pp YoY +0.3pp QoQ	+1.7pp	18.8%	14.8%	19.7%	79%
Leverage Ratio	15.1% +0.4pp YoY +0.2pp QoQ	+2.9pp	12.2%	11.4%	12.6%	87%
Total Capital Ratio	21.7% +1.0pp YoY +0.3pp QoQ	+1.7pp	19.9%	15.9%	20.8%	79%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Full-Time Employees	156 +4 (+2.6%) YoY -2 (-1.3%) QoQ	+97	58	270	482	98%
Assets per Employee ($)	$6.0M +3.2% YoY +0.4% QoQ	-$1.5M	$7.5M	$7.1M	$8.8M	34%
Branch Count	11 +1 (+10.0%) YoY 0 QoQ	+6	4	17	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	0.5% -0.2pp YoY -0.1pp QoQ	-0.4pp	0.9%	0.7%	1.0%	54%
Allowance Coverage	2.29x +29.2% YoY +6.7% QoQ	-21.86x	24.15x	28.97x	20.23x	51%
Net Charge-off Rate (YTD)	0.1% -0.1pp YoY +0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	77%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
ROE	12.3% -1.0pp YoY -0.2pp QoQ	+0.1pp	12.2%	10.9%	11.6%	51%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.2pp	1.7%	2.0%	1.7%	38%
Net Income ($, YTD)	$7.8M +7.4% YoY — QoQ	+$5.3M	$2.6M	$16.7M	$40.4M	97%

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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)

Liquidity Overhang

risk

#284 of 742 • Bottom 38.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.50%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 77.64%

(Tier: 77.95%, National: 79.03%)

better than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Total Assets

size

Value: $942.79M

Peer Median: $386.57M

#55 of 2643 Top 2.0% in $100M-$1B

Total Deposits

size

Value: $799.99M

Peer Median: $326.73M

#58 of 2643 Top 2.2% in $100M-$1B

137

Total Loans

size

Value: $621.14M

Peer Median: $258.35M

#137 of 2643 Top 5.1% in $100M-$1B

336

Tier 1 Capital Ratio

capital

Value: 20.50%

Peer Median: 15.91%

#336 of 2643 Top 12.7% in $100M-$1B

338

Net Interest Margin

profitability

Value: 4.75%

Peer Median: 3.99%

#338 of 2643 Top 12.8% in $100M-$1B

616

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#616 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available