BlastPoint's Banking Scorecard
Farmers State Bank
Dublin, GA
3 branches across GA
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 96 in GA.
- Deposits +0.2% year over year ($134.3M on the books).
- Delinquency rate 0.28%.
- Return on assets 2.15%.
- Efficiency ratio 60.26% vs a 64.48% peer average.
- Loan-to-deposit ratio 90.32% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 41.3% in tier
- + Net Interest Margin 1.46% above tier average
- + Efficiency Ratio 4.22% below tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.0% in tier
- - Liquidity Strain: Bottom 14.3% in tier
- - Credit Quality Pressure: Bottom 17.8% in tier
- - Liquidity Overhang: Bottom 31.8% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.2M
+1.5% YoY
-1.7% QoQ
|
-$230.3M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$121.3M
+4.0% YoY
+0.8% QoQ
|
-$137.0M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$134.3M
+0.2% YoY
-2.5% QoQ
|
-$192.4M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
2.15%
+9.8% YoY
+2.7% QoQ
|
+0.83% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 9.8% in tier |
| Net Interest Margin ? |
5.44%
+5.0% YoY
+1.7% QoQ
|
+1.46% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.2% in tier |
| Efficiency Ratio ? |
60.26%
-2.6% YoY
-0.8% QoQ
|
-4.22% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.28%
+23.3% YoY
+368.8% QoQ
|
-0.63% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
90.32%
+3.8% YoY
+3.3% QoQ
|
+12.37% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
25.78%
-6.6% YoY
-1.5% QoQ
|
+3.75% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.22%
-84.5% YoY
+380.9% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
18.09%
+5.9% YoY
+0.5% QoQ
|
+2.18% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.15%
-6.7% YoY
+100.1% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.8%
-1.8pp YoY -0.4pp QoQ |
+3.6pp | 22.1% | 26.2% | 22.2% | 69% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
-0.3pp YoY -0.1pp QoQ |
-4.2pp | 11.6% | 9.7% | 12.5% | 35% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
27.9%
+0.6pp YoY +1.1pp QoQ |
-4.7pp | 32.6% | 31.7% | 31.3% | 46% |
| Consumer |
7.9%
-0.8pp YoY -0.3pp QoQ |
+3.8pp | 4.1% | 4.8% | 5.0% | 88% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.1%
+1.0pp YoY +0.1pp QoQ |
-0.7pp | 18.8% | 20.9% | 19.7% | 70% |
| Leverage Ratio |
13.9%
+0.6pp YoY 0.0pp QoQ |
+1.7pp | 12.2% | 14.0% | 12.6% | 81% |
| Total Capital Ratio |
19.4%
+1.0pp YoY +0.1pp QoQ |
-0.6pp | 19.9% | 22.1% | 20.8% | 71% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
0 YoY -1 (-3.2%) QoQ |
-29 | 58 | 98 | 482 | 26% |
| Assets per Employee ($) |
$5.2M
+1.5% YoY +1.5% QoQ |
-$2.3M | $7.5M | $7.5M | $8.8M | 18% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
0.0pp YoY +0.2pp QoQ |
-0.1pp | 0.3% | 0.1% | 0.4% | 66% |
| Nonaccrual |
0.1%
0.0pp YoY +0.1pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 16% |
| Allowance Coverage |
8.77x
-19.3% YoY -78.7% QoQ |
-15.38x | 24.15x | 38.10x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 49% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.8%
+0.2pp YoY +0.3pp QoQ |
+4.6pp | 12.2% | 13.6% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.6% | 1.7% | 10% |
| Net Income ($, YTD) |
$1.7M
+12.8% YoY — QoQ |
-$879K | $2.6M | $6.6M | $40.4M | 46% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
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.