BlastPoint's Banking Scorecard

Farmers Bank

$100M-$1B Specialty: Agricultural ID FDIC cert 2850

Buhl, ID

6 branches across ID

2664 banks in the $100M-$1B peer group nationally 5 in ID

Farmers 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

+ ROA 0.37% above tier average
+ Net Interest Margin 0.11% above tier average
+ Efficiency Ratio 18.21% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 34.4% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ID)	National Avg	Tier Percentile
Total Assets ?	$664.8M +6.5% YoY -0.4% QoQ	+$278.7M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 14.4% in tier
Total Loans ?	$393.9M +9.9% YoY -0.4% QoQ	+$138.1M	$255.7M +1.1% YoY	$721.8M +11.9% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$552.4M +5.2% YoY -1.2% QoQ	+$224.5M	$328.0M +0.1% YoY	$1.0B +7.3% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.64% +20.6% YoY +10.2% QoQ	+0.37%	1.27% +12.9% YoY	1.36% +10.3% YoY	1.23% +13.4% YoY	75%
Net Interest Margin ?	4.04% +9.6% YoY +3.9% QoQ	+0.11%	3.93% +6.0% YoY	4.13% +5.6% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	47.08% -15.9% YoY -11.0% QoQ	-18.21%	65.29% -4.5% YoY	58.29% -6.4% YoY	66.95% -4.1% YoY	Top 11.3% in tier
Delinquency Rate ?	0.71% +635.8% YoY -11.7% QoQ	-0.18%	0.89% +18.8% YoY	1.10% +336.8% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	71.30% +4.5% YoY +0.8% QoQ	-5.34%	76.64% +0.8% YoY	73.00% +1.9% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	29.41% -1.4% YoY -5.0% QoQ	+7.39%	22.02% -1.0% YoY	28.05% +0.2% YoY	22.01% -1.2% YoY	80%
Nonperforming Asset Ratio ?	0.42% +659.9% YoY -11.7% QoQ	-0.22%	0.64% +19.7% YoY	0.64% +322.0% YoY	0.67% +19.3% YoY	42%
Tier 1 Capital Ratio ?	22.92% +3.2% YoY +3.4% QoQ	+7.09%	15.83% +1.5% YoY	16.15% +4.3% YoY	17.06% +0.8% YoY	Top 8.6% in tier
Non-Interest Income / Assets ?	0.12% -4.6% YoY -75.3% QoQ	-0.16%	0.28% +9.3% YoY	0.12% +4.7% YoY	0.32% +4.1% YoY	63%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#255 of 739 • Bottom 34.4% 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: 22.92%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 71.30%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

231

Tier 1 Capital Ratio

capital

Value: 22.92%

Peer Median: 15.83%

#231 of 2664 Top 8.6% in $100M-$1B

301

Efficiency Ratio

profitability

Value: 47.08%

Peer Median: 65.29%

#301 of 2664 Top 11.3% in $100M-$1B

384

Total Assets

size

Value: $664.79M

Peer Median: $386.08M

#384 of 2664 Top 14.4% in $100M-$1B

430

Total Deposits

size

Value: $552.42M

Peer Median: $327.97M

#430 of 2664 Top 16.1% in $100M-$1B

527

Non-Interest-Bearing Deposit Share

funding

Value: 29.41%

Peer Median: 22.02%

#527 of 2664 Top 19.7% in $100M-$1B

559

Total Loans

size

Value: $393.86M

Peer Median: $255.72M

#559 of 2664 Top 20.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available