BlastPoint's Banking Scorecard

Farm Bureau Bank FSB

$1B-$10B Specialty: Other NV FDIC cert 35157

Designations: ✓ Community bank

Reno, NV

2 branches across NV · TX

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 885 banks in the $1B-$10B peer group nationwide — 1 of 4 in NV.
Deposits -4.5% year over year ($906.5M on the books).
Delinquency rate 0.80%.
Return on assets 0.38%.
Efficiency ratio 80.79% vs a 59.73% peer average.
Loan-to-deposit ratio 77.71% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 4 in NV

View $1B-$10B leaderboard (NV) →

Farm Bureau Bank FSB has 2 strengths but faces 4 concerns

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

+ Net Interest Margin 0.09% above tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 28.2% in tier
- Efficiency Drag: Bottom 41.7% in tier
- Return on Assets 1.01% below tier average
- Non-Interest-Bearing Deposit Share 17.38% below tier average

Get updates when Farm Bureau Bank FSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Total Assets ?	$1.1B -3.6% YoY -1.9% QoQ	-$1.7B	$2.8B -0.6% YoY	$3.1B +2.3% YoY	$6.3B +7.7% YoY	Bottom 5.6% in tier
Total Loans ?	$704.5M -9.6% YoY -4.7% QoQ	-$1.3B	$2.0B -0.3% YoY	$1.6B +20.6% YoY	$3.2B +9.4% YoY	Bottom 8.0% in tier
Total Deposits ?	$906.5M -4.5% YoY -2.6% QoQ	-$1.4B	$2.3B -0.5% YoY	$2.0B +3.4% YoY	$4.9B +7.3% YoY	Bottom 8.6% in tier
Return on Assets ?	0.38% +106.5% YoY	-1.01%	1.39% +17.0% YoY	3.59% +7.1% YoY	1.30% +12.1% YoY	Bottom 5.1% in tier
Net Interest Margin ?	3.96% +2.5% YoY +0.2% QoQ	+0.09%	3.87% +6.2% YoY	5.65% +11.1% YoY	3.95% +4.9% YoY	65%
Efficiency Ratio ?	80.79% -8.9% YoY -5.9% QoQ	+21.06%	59.73% -12.6% YoY	55.66% -2.7% YoY	70.05% +2.5% YoY	Bottom 6.4% in tier
Delinquency Rate ?	0.80% +36.8% YoY +13.5% QoQ	-0.07%	0.87% +11.7% YoY	1.02% -35.3% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	77.71% -5.3% YoY -2.1% QoQ	-7.33%	85.04% -0.1% YoY	86.66% +13.2% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	3.90% +18.4% YoY +6.3% QoQ	-17.38%	21.27% -1.5% YoY	21.87% -6.7% YoY	21.98% -0.6% YoY	Bottom 3.2% in tier
Nonperforming Asset Ratio ?	0.53% +28.2% YoY +10.3% QoQ	-0.14%	0.67% +11.7% YoY	0.74% +3.7% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	13.40% +8.8% YoY +5.8% QoQ	-1.44%	14.84% -0.4% YoY	23.41% +6.1% YoY	17.09% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.44% +74.7% YoY +186.7% QoQ	-0.09%	0.53% +2.5% YoY	2.78% +2.3% YoY	0.66% +5.2% YoY	75%

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 (NV)	National Avg	Tier Percentile
Noninterest-Bearing	3.9% +0.6pp YoY +0.2pp QoQ	-17.5pp	21.4%	25.5%	22.2%	3%
Brokered Deposits	0.8% 0.0pp YoY 0.0pp QoQ	-8.7pp	9.5%	31.0%	8.5%	16%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
C&I	11.6% -0.5pp YoY +0.2pp QoQ	-2.4pp	14.0%	22.5%	12.5%	53%
CRE	23.3% +9.0pp YoY +1.6pp QoQ	-26.7pp	50.0%	68.4%	41.4%	6%
1-4 Family	8.8% +1.8pp YoY +1.1pp QoQ	-17.6pp	26.4%	12.7%	31.3%	13%
Consumer	53.0% -9.4pp YoY -3.1pp QoQ	+48.3pp	4.7%	31.5%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
CET1 Ratio	13.4% +1.1pp YoY +0.7pp QoQ	-2.2pp	15.6%	29.4%	19.7%	48%
Leverage Ratio	10.1% +0.3pp YoY +0.3pp QoQ	-1.2pp	11.3%	16.3%	12.6%	39%
Total Capital Ratio	14.6% +1.1pp YoY +0.7pp QoQ	-2.0pp	16.7%	30.3%	20.8%	50%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Full-Time Employees	187 -5 (-2.6%) YoY 0 QoQ	-127	313	177	482	36%
Assets per Employee ($)	$5.7M -1.0% YoY -1.9% QoQ	-$4.8M	$10.5M	$17.0M	$8.8M	9%
Branch Count	2 0 YoY 0 QoQ	-18	20	2	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.2%	0.9%	0.4%	90%
Nonaccrual	0.5% +0.2pp YoY +0.1pp QoQ	-0.3pp	0.8%	1.0%	1.0%	51%
Allowance Coverage	1.83x -37.7% YoY -16.7% QoQ	-16.88x	18.71x	4.66x	20.23x	45%
Net Charge-off Rate (YTD)	1.1% +0.2pp YoY -0.2pp QoQ	+0.8pp	0.3%	1.2%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NV)	National Avg	Tier Percentile
ROE	4.0% +1.9pp YoY +4.4pp QoQ	-8.6pp	12.6%	17.9%	11.6%	5%
Cost of Funds (YTD)	2.9% -0.2pp YoY 0.0pp QoQ	+1.0pp	1.9%	2.0%	1.7%	94%
Net Income ($, YTD)	$2.0M +96.1% YoY — QoQ	-$17.2M	$19.2M	$65.7M	$40.4M	4%

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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 (2)

Deposit Outflow

decline

#38 of 131 • Bottom 28.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#26 of 60 • Bottom 41.7% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 80.79%

(Tier: 59.73%, National: 70.05%)

worse than tier avg

60 of 60 Mid-Market banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank declining

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

220

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.53%

#220 of 885 Top 24.7% in $1B-$10B

Top Weaknesses (6 metrics)

858

Non-Interest-Bearing Deposit Share

funding

Value: 3.90%

Peer Median: 21.27%

#858 of 885 Bottom 3.2% in $1B-$10B

841

Return on Assets

profitability

Value: 0.38%

Peer Median: 1.39%

#841 of 885 Bottom 5.1% in $1B-$10B

836

Total Assets

size

Value: $1.06B

Peer Median: $2.79B

#836 of 885 Bottom 5.6% in $1B-$10B

829

Efficiency Ratio

profitability

Value: 80.79%

Peer Median: 59.73%

#829 of 885 Bottom 6.4% in $1B-$10B

815

Total Loans

size

Value: $704.46M

Peer Median: $1.96B

#815 of 885 Bottom 8.0% in $1B-$10B

810

Total Deposits

size

Value: $906.54M

Peer Median: $2.32B

#810 of 885 Bottom 8.6% in $1B-$10B