BlastPoint's Banking Scorecard
Farm Bureau Bank FSB
Designations: ✓ Community bank
Reno, NV
2 branches across NV · TX
Farm Bureau Bank FSB has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.13% above tier average
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.8% in tier
- - Deposit Outflow: Bottom 33.1% in tier
- - Return on Assets 1.40% below tier average
- - Non-Interest-Bearing Deposit Share 17.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-3.2% YoY
-0.9% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$3.1B
+7.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.4% in tier |
| Total Loans ? |
$739.1M
-6.0% YoY
-3.8% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$1.6B
+22.3% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.1% in tier |
| Total Deposits ? |
$930.7M
-3.5% YoY
-0.9% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.1B
+0.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 9.4% in tier |
| Return on Assets ? |
-0.03%
-110.3% YoY
-166.4% QoQ
|
-1.40% |
1.37%
+19.6% YoY
|
3.24%
-3.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 2.1% in tier |
| Net Interest Margin ? |
3.95%
+6.0% YoY
+0.2% QoQ
|
+0.13% |
3.82%
+6.9% YoY
|
5.24%
+3.6% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
85.84%
-5.8% YoY
-3.0% QoQ
|
+24.77% |
61.06%
-4.6% YoY
|
57.12%
-16.3% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.9% in tier |
| Delinquency Rate ? |
0.70%
+54.7% YoY
+0.1% QoQ
|
-0.18% |
0.89%
+14.1% YoY
|
1.11%
-32.2% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
79.41%
-2.6% YoY
-2.9% QoQ
|
-4.79% |
84.20%
+0.3% YoY
|
80.72%
+7.8% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
3.66%
+1.0% YoY
+3.6% QoQ
|
-17.63% |
21.29%
-2.5% YoY
|
22.43%
-7.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 2.8% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+50.2% YoY
-2.7% QoQ
|
-0.19% |
0.67%
+15.6% YoY
|
0.75%
-3.5% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
12.67%
+2.3% YoY
+2.0% QoQ
|
-2.49% |
15.16%
+2.0% YoY
|
22.57%
+2.5% YoY
|
17.06%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.15%
+50.0% YoY
-69.9% QoQ
|
-0.10% |
0.26%
+1.6% YoY
|
1.43%
+2.0% YoY
|
0.32%
+4.1% YoY
|
56% |
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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 (2)
Efficiency Drag
riskEfficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.