BlastPoint's Banking Scorecard
The Farmers Bank
Portland, TN
11 branches across TN
The Farmers Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.41% above tier average
- + Net Interest Margin 0.74% above tier average
- + Efficiency Ratio 9.64% below tier average
- + Delinquency Rate 0.30% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 41.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$950.9M
+6.4% YoY
+1.9% QoQ
|
+$564.8M |
$386.1M
+0.5% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
Top 1.5% in tier |
| Total Loans ? |
$617.9M
+6.8% YoY
+2.1% QoQ
|
+$362.2M |
$255.7M
+1.1% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Top 5.2% in tier |
| Total Deposits ? |
$811.5M
+5.5% YoY
+1.9% QoQ
|
+$483.5M |
$328.0M
+0.1% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
Top 2.0% in tier |
| Return on Assets ? |
1.68%
+5.5% YoY
+1.0% QoQ
|
+0.41% |
1.27%
+12.9% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
76% |
| Net Interest Margin ? |
4.67%
-1.0% YoY
-2.7% QoQ
|
+0.74% |
3.93%
+6.0% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 13.8% in tier |
| Efficiency Ratio ? |
55.64%
+2.5% YoY
+0.1% QoQ
|
-9.64% |
65.29%
-4.5% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
72% |
| Delinquency Rate ? |
0.59%
-48.5% YoY
+19.7% QoQ
|
-0.30% |
0.89%
+18.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
76.15%
+1.3% YoY
+0.2% QoQ
|
-0.49% |
76.64%
+0.8% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
26.21%
-3.0% YoY
+1.4% QoQ
|
+4.19% |
22.02%
-1.0% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.38%
-48.4% YoY
+20.0% QoQ
|
-0.26% |
0.64%
+19.7% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
20.18%
+5.0% YoY
+0.0% QoQ
|
+4.35% |
15.83%
+1.5% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Top 12.9% in tier |
| Non-Interest Income / Assets ? |
0.15%
-5.1% YoY
-80.9% QoQ
|
-0.13% |
0.28%
+9.3% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
75% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.