BlastPoint's Banking Scorecard

Farmers Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 18284

Fostoria, IA

3 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 +8.1% year over year ($173.7M on the books).
Delinquency rate 3.53%.
Return on assets 0.75%.
Efficiency ratio 63.97% vs a 64.48% peer average.
Loan-to-deposit ratio 99.00% 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 167 in IA

View $100M-$1B leaderboard (IA) →

Farmers Savings Bank has 1 strength but faces 5 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

+ Efficiency Ratio 0.50% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 62.4% in tier
- Delinquency Rate 2.61% above tier average
- Nonperforming Asset Ratio 2.15% above tier average
- ROA 0.57% below tier average
- Net Interest Margin 0.81% below tier average

Get updates when Farmers Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$215.3M +7.1% YoY -0.4% QoQ	-$171.3M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	30%
Total Loans ?	$171.9M +11.7% YoY +1.7% QoQ	-$86.4M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	41%
Total Deposits ?	$173.7M +8.1% YoY +7.2% QoQ	-$153.1M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.75% +47.5% YoY -17.4% QoQ	-0.57%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	21%
Net Interest Margin ?	3.18% +10.9% YoY -1.1% QoQ	-0.81%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	15%
Efficiency Ratio ?	63.97% -4.1% YoY +7.3% QoQ	-0.50%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	3.53% +87.5% YoY +30.7% QoQ	+2.61%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Bottom 4.5% in tier
Loan-to-Deposit Ratio ?	99.00% +3.4% YoY -5.1% QoQ	+21.05%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 11.4% in tier
Non-Interest-Bearing Deposit Share ?	14.93% -15.5% YoY -7.7% QoQ	-7.10%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	2.82% +95.5% YoY +33.6% QoQ	+2.15%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 3.9% in tier
Tier 1 Capital Ratio ?	12.59% -0.1% YoY +1.0% QoQ	-3.31%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.07% +19.2% YoY +100.9% QoQ	-0.50%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Bottom 10.2% in tier

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	14.9% -2.7pp YoY -1.2pp QoQ	-7.2pp	22.1%	17.8%	22.2%	24%
Brokered Deposits	2.9%	-5.0pp	7.9%	6.0%	8.5%	38%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	12.8% +1.0pp YoY -0.3pp QoQ	+1.2pp	11.6%	12.8%	12.5%	67%
CRE	31.9% -0.7pp YoY -0.4pp QoQ	-7.6pp	39.5%	28.3%	41.4%	38%
1-4 Family	30.1% +0.7pp YoY +0.2pp QoQ	-2.6pp	32.6%	23.0%	31.3%	51%
Consumer	1.5% -0.3pp YoY -0.1pp QoQ	-2.6pp	4.1%	2.9%	5.0%	40%

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	12.6% 0.0pp YoY +0.1pp QoQ	+0.4pp	12.2%	12.4%	12.6%	71%
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	22 +2 (+10.0%) YoY 0 QoQ	-37	58	64	482	14%
Assets per Employee ($)	$9.8M -2.6% YoY -0.4% QoQ	+$2.3M	$7.5M	$8.9M	$8.8M	85%
Branch Count	3 +1 (+50.0%) YoY +1 (+50.0%) QoQ	-2	4	5	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY -1.2pp QoQ	-0.3pp	0.3%	0.4%	0.4%	9%
Nonaccrual	3.5% +1.7pp YoY +2.1pp QoQ	+2.6pp	0.9%	1.0%	1.0%	96%
Allowance Coverage	0.39x -49.1% YoY -22.4% QoQ	-23.76x	24.15x	18.97x	20.23x	6%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	6.5% +1.9pp YoY -1.5pp QoQ	-5.7pp	12.2%	12.8%	11.6%	18%
Cost of Funds (YTD)	2.2% -0.2pp YoY 0.0pp QoQ	+0.5pp	1.7%	1.8%	1.7%	79%
Net Income ($, YTD)	$808,000 +59.1% YoY — QoQ	-$1.7M	$2.6M	$4.0M	$40.4M	20%

Get Full Access to Farmers Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

NIB Deposit Bleed

decline

#102 of 162 • Bottom 62.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.93%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2542

Nonperforming Asset Ratio

credit_quality

Value: 2.82%

Peer Median: 0.67%

#2542 of 2643 Bottom 3.9% in $100M-$1B

2515

Delinquency Rate

credit_quality

Value: 3.53%

Peer Median: 0.92%

#2515 of 2633 Bottom 4.5% in $100M-$1B

2375

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2375 of 2643 Bottom 10.2% in $100M-$1B

2342

Loan-to-Deposit Ratio

liquidity

Value: 99.00%

Peer Median: 77.95%

#2342 of 2643 Bottom 11.4% in $100M-$1B

2237

Net Interest Margin

profitability

Value: 3.18%

Peer Median: 3.99%

#2237 of 2643 Bottom 15.4% in $100M-$1B

2087

Return on Assets

profitability

Value: 0.75%

Peer Median: 1.32%

#2087 of 2643 Bottom 21.1% in $100M-$1B

2005

Non-Interest-Bearing Deposit Share

funding

Value: 14.93%

Peer Median: 22.03%

#2005 of 2643 Bottom 24.2% in $100M-$1B