BlastPoint's Banking Scorecard

Farmers Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 18394

Marshalltown, 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 +1.1% year over year ($115.3M on the books).
Delinquency rate 0.58%.
Return on assets 1.46%.
Efficiency ratio 60.15% vs a 64.48% peer average.
Loan-to-deposit ratio 88.32% 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 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

+ Revenue Diversifier: Top 40.4% in tier
+ ROA 0.14% above tier average
+ Efficiency Ratio 4.32% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 42.3% in tier

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 ?	$140.3M +2.8% YoY -3.2% QoQ	-$246.3M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Bottom 11.5% in tier
Total Loans ?	$101.9M +8.2% YoY +6.9% QoQ	-$156.5M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	20%
Total Deposits ?	$115.3M +1.1% YoY -5.2% QoQ	-$211.4M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Bottom 10.3% in tier
Return on Assets ?	1.46% +31.3% YoY +6.7% QoQ	+0.14%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.01% +10.4% YoY +4.5% QoQ	+0.02%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	60.15% -9.9% YoY -2.1% QoQ	-4.32%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	0.58% -13.8% YoY -7.1% QoQ	-0.34%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	43%
Loan-to-Deposit Ratio ?	88.32% +7.0% YoY +12.7% QoQ	+10.37%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	30%
Non-Interest-Bearing Deposit Share ?	25.45% -1.8% YoY -1.3% QoQ	+3.42%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	67%
Nonperforming Asset Ratio ?	0.42% -9.4% YoY +2.6% QoQ	-0.25%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	43%
Tier 1 Capital Ratio ?	16.51% +4.3% YoY +0.6% QoQ	+0.60%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.53% +18.5% YoY +112.7% QoQ	-0.04%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 8.7% 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	25.4% -0.5pp YoY -0.3pp QoQ	+3.3pp	22.1%	17.8%	22.2%	67%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	7.8% +3.4pp YoY +3.3pp QoQ	-3.8pp	11.6%	12.8%	12.5%	38%
CRE	30.4% -3.1pp YoY +0.8pp QoQ	-9.1pp	39.5%	28.3%	41.4%	35%
1-4 Family	26.1% 0.0pp YoY -1.8pp QoQ	-6.5pp	32.6%	23.0%	31.3%	43%
Consumer	1.0% -0.2pp YoY -0.1pp QoQ	-3.1pp	4.1%	2.9%	5.0%	29%

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	16.5% +0.7pp YoY +0.1pp QoQ	+4.3pp	12.2%	12.4%	12.6%	92%
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	23 +1 (+4.5%) YoY 0 QoQ	-36	58	64	482	15%
Assets per Employee ($)	$6.1M -1.7% YoY -3.2% QoQ	-$1.4M	$7.5M	$8.9M	$8.8M	36%
Branch Count	3 0 YoY 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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.6% -0.1pp YoY 0.0pp QoQ	-0.4pp	0.9%	1.0%	1.0%	56%
Allowance Coverage	1.45x +10.5% YoY +3.7% QoQ	-22.70x	24.15x	18.97x	20.23x	38%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	9.5% +1.7pp YoY +0.5pp QoQ	-2.7pp	12.2%	12.8%	11.6%	33%
Cost of Funds (YTD)	1.0% -0.1pp YoY 0.0pp QoQ	-0.7pp	1.7%	1.8%	1.7%	10%
Net Income ($, YTD)	$1.0M +33.1% YoY — QoQ	-$1.5M	$2.6M	$4.0M	$40.4M	28%

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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 (1)

Revenue Diversifier

growth

#268 of 661 • Top 40.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.53%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.46%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#315 of 742 • Bottom 42.3% 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: 16.51%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 88.32%

(Tier: 77.95%, National: 79.03%)

worse 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 (1 metrics)

230

Non-Interest Income / Assets

revenue_mix

Value: 0.53%

Peer Median: 0.57%

#230 of 2643 Top 8.7% in $100M-$1B

Top Weaknesses (3 metrics)

2371

Total Deposits

size

Value: $115.35M

Peer Median: $326.73M

#2371 of 2643 Bottom 10.3% in $100M-$1B

2341

Total Assets

size

Value: $140.32M

Peer Median: $386.57M

#2341 of 2643 Bottom 11.5% in $100M-$1B

2127

Total Loans

size

Value: $101.88M

Peer Median: $258.35M

#2127 of 2643 Bottom 19.6% in $100M-$1B