BlastPoint's Banking Scorecard
Farmers Building and Savings Bank
Designations: ✓ Mutual
Rochester, PA
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 55 in PA.
- Deposits +3.7% year over year ($96.4M on the books).
- Delinquency rate 1.58%.
- Return on assets 0.51%.
- Efficiency ratio 74.52% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 20.2% in tier
- - Net Interest Margin 2.09% below tier average
- - Non-Interest-Bearing Deposit Share 21.87% below tier average
- - ROA 0.81% below tier average
- - Efficiency Ratio 10.04% above tier average
- - Delinquency Rate 0.66% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.9M
+3.4% YoY
+0.8% QoQ
|
-$263.7M |
$386.6M
+1.2% YoY
|
$3.1B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.5% in tier |
| Total Loans ? |
$59.2M
+5.1% YoY
-0.9% QoQ
|
-$199.2M |
$258.3M
+1.7% YoY
|
$2.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.5% in tier |
| Total Deposits ? |
$96.4M
+3.7% YoY
+0.8% QoQ
|
-$230.4M |
$326.7M
+0.7% YoY
|
$2.6B
+7.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.5% in tier |
| Return on Assets ? |
0.51%
+196.7% YoY
-12.6% QoQ
|
-0.81% |
1.32%
+10.8% YoY
|
1.63%
+26.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
1.89%
+23.0% YoY
+3.0% QoQ
|
-2.09% |
3.99%
+5.0% YoY
|
3.40%
+8.7% YoY
|
3.95%
+4.9% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio ? |
74.52%
-10.7% YoY
-0.3% QoQ
|
+10.04% |
64.48%
-3.2% YoY
|
66.68%
-6.6% YoY
|
70.05%
+2.5% YoY
|
21% |
| Delinquency Rate ? |
1.58%
-33.1% YoY
-13.6% QoQ
|
+0.66% |
0.92%
+15.7% YoY
|
0.92%
+32.0% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
61.43%
+1.4% YoY
-1.7% QoQ
|
-16.53% |
77.95%
+1.0% YoY
|
84.75%
+0.9% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
0.16%
-10.5% YoY
+84.3% QoQ
|
-21.87% |
22.03%
-0.6% YoY
|
18.04%
+1.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.7% in tier |
| Nonperforming Asset Ratio ? |
0.76%
-32.0% YoY
-15.0% QoQ
|
+0.09% |
0.67%
+16.4% YoY
|
0.67%
+21.3% YoY
|
0.69%
+15.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
46.82%
+1.2% YoY
-1.9% QoQ
|
+30.91% |
15.91%
+1.4% YoY
|
19.93%
+0.1% YoY
|
17.09%
+0.8% YoY
|
Top 1.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
-0.1% YoY
+100.6% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
1.47%
+21.0% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.5% in tier |
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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
0.2%
0.0pp YoY +0.1pp QoQ |
-22.0pp | 22.1% | 18.7% | 22.2% | 0% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.8% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
0.0%
0.0pp YoY 0.0pp QoQ |
-11.5pp | 11.6% | 8.6% | 12.5% | 0% |
| CRE | n/a | n/a | 39.5% | 37.9% | 41.4% | n/a |
| 1-4 Family |
98.9%
+4.4pp YoY +1.2pp QoQ |
+66.2pp | 32.6% | 47.8% | 31.3% | 100% |
| Consumer | n/a | n/a | 4.1% | 3.8% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
46.8%
+0.5pp YoY -0.9pp QoQ |
+28.0pp | 18.8% | 22.3% | 19.7% | 98% |
| Leverage Ratio |
20.5%
-0.3pp YoY -0.1pp QoQ |
+8.3pp | 12.2% | 13.2% | 12.6% | 96% |
| Total Capital Ratio |
47.8%
+0.5pp YoY -0.9pp QoQ |
+27.9pp | 19.9% | 23.3% | 20.8% | 98% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
5
0 YoY 0 QoQ |
-54 | 58 | 299 | 482 | 0% |
| Assets per Employee ($) |
$24.6M
+3.4% YoY +0.8% QoQ |
+$17.1M | $7.5M | $9.2M | $8.8M | 100% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 20 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.6%
-0.8pp YoY -0.2pp QoQ |
+0.6pp | 0.9% | 0.9% | 1.0% | 83% |
| Allowance Coverage |
0.50x
+36.1% YoY +16.8% QoQ |
-23.65x | 24.15x | 3.63x | 20.23x | 10% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.5%
+1.7pp YoY -0.4pp QoQ |
-9.7pp | 12.2% | 10.2% | 11.6% | 7% |
| Cost of Funds (YTD) |
2.1%
-0.4pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 77% |
| Net Income ($, YTD) |
$311,000
+207.9% YoY — QoQ |
-$2.2M | $2.6M | $18.2M | $40.4M | 7% |
Get Full Access to Farmers Building and Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.