BlastPoint's Banking Scorecard

Farmers and Miners Bank

$100M-$1B Specialty: Commercial VA FDIC cert 22888

Pennington Gap, VA

6 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in VA

Farmers and Miners Bank shows strong momentum with 4 strengths and 6.0% YoY asset growth

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

+ Deposit Franchise: Top 30.9% in tier
+ ROA 0.19% above tier average
+ Efficiency Ratio 1.64% below tier average
+ Delinquency Rate 0.68% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$190.7M +6.0% YoY +3.3% QoQ	-$195.4M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$94.9M +3.9% YoY -2.4% QoQ	-$160.8M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$164.2M +5.7% YoY +3.3% QoQ	-$163.8M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	1.46% -3.5% YoY -0.4% QoQ	+0.19%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.83% +0.4% YoY -2.8% QoQ	+0.90%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	Top 10.2% in tier
Efficiency Ratio ?	63.65% +0.5% YoY -2.1% QoQ	-1.64%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.21% -42.7% YoY +9.7% QoQ	-0.68%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	64%
Loan-to-Deposit Ratio ?	57.83% -1.7% YoY -5.5% QoQ	-18.80%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	37.76% +1.8% YoY -0.7% QoQ	+15.74%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	Top 6.8% in tier
Nonperforming Asset Ratio ?	0.10% -43.8% YoY +3.7% QoQ	-0.54%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	13.30% +0.2% YoY +0.7% QoQ	-2.53%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.15% -1.2% YoY -74.8% QoQ	-0.13%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	74%

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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)

Deposit Franchise

growth

#85 of 272 • Top 30.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 37.76%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.83%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

181

Non-Interest-Bearing Deposit Share

funding

Value: 37.76%

Peer Median: 22.02%

#181 of 2664 Top 6.8% in $100M-$1B

274

Net Interest Margin

profitability

Value: 4.83%

Peer Median: 3.93%

#274 of 2664 Top 10.2% in $100M-$1B

441

Loan-to-Deposit Ratio

liquidity

Value: 57.83%

Peer Median: 76.64%

#441 of 2664 Top 16.5% in $100M-$1B

Top Weaknesses (3 metrics)

2186

Total Loans

size

Value: $94.95M

Peer Median: $255.72M

#2186 of 2664 Bottom 18.0% in $100M-$1B

2019

Total Assets

size

Value: $190.71M

Peer Median: $386.08M

#2019 of 2664 Bottom 24.2% in $100M-$1B

2004

Total Deposits

size

Value: $164.17M

Peer Median: $327.97M

#2004 of 2664 Bottom 24.8% in $100M-$1B