BlastPoint's Banking Scorecard
Farmers Savings Bank
Fostoria, IA
3 branches across IA
Farmers Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.68% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.81% above tier average
- - Loan-to-Deposit Ratio 27.63% above tier average
- - Nonperforming Asset Ratio 1.47% above tier average
- - ROA 0.36% below tier average
- - Net Interest Margin 0.71% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$216.3M
+8.7% YoY
+1.3% QoQ
|
-$169.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$169.0M
+11.6% YoY
+2.0% QoQ
|
-$86.7M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
41% |
| Total Deposits ? |
$162.1M
+0.9% YoY
-2.9% QoQ
|
-$165.9M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.91%
+237.4% YoY
+22.7% QoQ
|
-0.36% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
32% |
| Net Interest Margin ? |
3.22%
+17.6% YoY
+6.2% QoQ
|
-0.71% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
18% |
| Efficiency Ratio ? |
59.61%
-12.0% YoY
-5.0% QoQ
|
-5.68% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
2.70%
+39.3% YoY
+87.7% QoQ
|
+1.81% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.1% in tier |
| Loan-to-Deposit Ratio ? |
104.27%
+10.5% YoY
+5.1% QoQ
|
+27.63% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.17%
+7.2% YoY
+3.4% QoQ
|
-5.84% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
2.11%
+42.9% YoY
+89.0% QoQ
|
+1.47% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 6.1% in tier |
| Tier 1 Capital Ratio ? |
12.47%
-1.6% YoY
-0.6% QoQ
|
-3.36% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.04%
+22.6% YoY
-73.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.8% in tier |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.