BlastPoint's Banking Scorecard
Farmers Building and Savings Bank
Designations: ✓ Mutual
Rochester, PA
Farmers Building and Savings Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 16.2% in tier
- - Net Interest Margin 2.09% below tier average
- - Non-Interest-Bearing Deposit Share 21.93% below tier average
- - ROA 0.68% below tier average
- - Efficiency Ratio 9.44% above tier average
- - Delinquency Rate 0.94% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$121.9M
+4.5% YoY
+1.5% QoQ
|
-$264.2M |
$386.1M
+0.5% YoY
|
$3.1B
+7.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.5% in tier |
| Total Loans ? |
$59.7M
+9.9% YoY
+3.2% QoQ
|
-$196.0M |
$255.7M
+1.1% YoY
|
$2.2B
+7.7% YoY
|
$3.2B
+10.8% YoY
|
Bottom 4.9% in tier |
| Total Deposits ? |
$95.6M
+5.3% YoY
+1.6% QoQ
|
-$232.4M |
$328.0M
+0.1% YoY
|
$2.6B
+7.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.3% in tier |
| Return on Assets ? |
0.58%
+91.3% YoY
+83.4% QoQ
|
-0.68% |
1.27%
+12.9% YoY
|
1.46%
+26.2% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
1.84%
+18.8% YoY
+20.0% QoQ
|
-2.09% |
3.93%
+6.0% YoY
|
3.32%
+8.7% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.5% in tier |
| Efficiency Ratio ? |
74.73%
-12.8% YoY
-12.2% QoQ
|
+9.44% |
65.29%
-4.5% YoY
|
69.09%
-7.7% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
1.83%
-28.9% YoY
-0.5% QoQ
|
+0.94% |
0.89%
+18.8% YoY
|
0.92%
+20.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.3% in tier |
| Loan-to-Deposit Ratio ? |
62.47%
+4.4% YoY
+1.5% QoQ
|
-14.17% |
76.64%
+0.8% YoY
|
83.35%
-0.2% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
0.09%
-6.1% YoY
-2.8% QoQ
|
-21.93% |
22.02%
-1.0% YoY
|
17.71%
-0.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 0.6% in tier |
| Nonperforming Asset Ratio ? |
0.90%
-25.2% YoY
+1.2% QoQ
|
+0.26% |
0.64%
+19.7% YoY
|
0.67%
+14.7% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
47.71%
-2.7% YoY
+1.9% QoQ
|
+31.88% |
15.83%
+1.5% YoY
|
20.10%
+0.3% YoY
|
17.06%
+0.8% YoY
|
Top 1.0% in tier |
| Non-Interest Income / Assets ? |
0.04%
+0.1% YoY
-75.4% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.69%
+18.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.2% 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 (1)
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.