BlastPoint's Banking Scorecard
The Farmers Bank
Greensboro, GA
The Farmers Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.93% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 22.2% in tier
- - Non-Interest-Bearing Deposit Share 13.19% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - ROA 0.32% below tier average
- - Net Interest Margin 0.42% below tier average
- - Delinquency Rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.5M
+3.0% YoY
-3.3% QoQ
|
-$208.6M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$96.7M
+4.6% YoY
+3.5% QoQ
|
-$159.1M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$161.9M
+1.5% YoY
-4.0% QoQ
|
-$166.1M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.95%
+7.7% YoY
+11.8% QoQ
|
-0.32% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
3.51%
+22.9% YoY
+11.8% QoQ
|
-0.42% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
61.36%
+9.8% YoY
+3.6% QoQ
|
-3.93% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
56% |
| Delinquency Rate ? |
1.17%
+55.2% QoQ
|
+0.28% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
59.71%
+3.0% YoY
+7.7% QoQ
|
-16.93% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
8.83%
-5.3% YoY
+14.7% QoQ
|
-13.19% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.7% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+66.1% QoQ
|
+0.00% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
16.84%
-0.7% YoY
-2.8% QoQ
|
+1.01% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.03%
+2.5% YoY
-70.2% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.2% 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)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.