BlastPoint's Banking Scorecard

Farmers State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 5797

Northwood, IA

8 branches across IA

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 167 in IA.
Deposits +6.4% year over year ($189.7M on the books).
Delinquency rate 0.78%.
Return on assets 1.03%.
Efficiency ratio 62.06% vs a 64.48% peer average.
Loan-to-deposit ratio 84.90% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Farmers State Bank 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

+ Efficiency Ratio 2.42% below tier average
+ Delinquency Rate 0.14% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.5% in tier
- Credit Quality Pressure: Bottom 32.4% in tier
- Flatlined Growth: Bottom 37.0% in tier
- ROA 0.30% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$221.4M +0.1% YoY +0.0% QoQ	-$165.1M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	31%
Total Loans ?	$161.0M +3.9% YoY +0.6% QoQ	-$97.3M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$189.7M +6.4% YoY +0.4% QoQ	-$137.1M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.03% +107.7% YoY +15.0% QoQ	-0.30%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	4.01% +12.3% YoY +5.4% QoQ	+0.02%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	54%
Efficiency Ratio ?	62.06% -2.9% YoY -6.1% QoQ	-2.42%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	51%
Delinquency Rate ?	0.78% +5.8% YoY -35.4% QoQ	-0.14%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	35%
Loan-to-Deposit Ratio ?	84.90% -2.4% YoY +0.3% QoQ	+6.95%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	38%
Non-Interest-Bearing Deposit Share ?	23.14% +5.3% YoY +8.8% QoQ	+1.11%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.57% +9.8% YoY -37.3% QoQ	-0.10%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	12.73% +1.3% YoY -0.0% QoQ	-3.18%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.14% -2.3% YoY +123.3% QoQ	-0.43%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	30%

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 (IA)	National Avg	Tier Percentile
Noninterest-Bearing	23.1% +1.2pp YoY +1.9pp QoQ	+1.0pp	22.1%	17.8%	22.2%	59%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	7.9% -0.4pp YoY -0.2pp QoQ	-3.7pp	11.6%	12.8%	12.5%	39%
CRE	18.2% +2.2pp YoY +2.2pp QoQ	-21.3pp	39.5%	28.3%	41.4%	15%
1-4 Family	31.7% +2.5pp YoY +0.6pp QoQ	-0.9pp	32.6%	23.0%	31.3%	55%
Consumer	2.1% -0.3pp YoY 0.0pp QoQ	-2.0pp	4.1%	2.9%	5.0%	49%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	12.7% +0.2pp YoY 0.0pp QoQ	+0.6pp	12.2%	12.4%	12.6%	72%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	36 -3 (-7.7%) YoY +1 (+2.9%) QoQ	-23	58	64	482	36%
Assets per Employee ($)	$6.2M +8.4% YoY -2.8% QoQ	-$1.4M	$7.5M	$8.9M	$8.8M	36%
Branch Count	8 0 YoY 0 QoQ	+3	4	5	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.3% +0.3pp YoY +0.3pp QoQ	0.0pp	0.3%	0.4%	0.4%	76%
Nonaccrual	0.4% -0.2pp YoY -0.7pp QoQ	-0.5pp	0.9%	1.0%	1.0%	49%
Allowance Coverage	1.72x +10.9% YoY +64.8% QoQ	-22.43x	24.15x	18.97x	20.23x	43%
Net Charge-off Rate (YTD)	0.0% -0.3pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	10.6% +5.0pp YoY +1.3pp QoQ	-1.6pp	12.2%	12.8%	11.6%	40%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	58%
Net Income ($, YTD)	$1.1M +107.5% YoY — QoQ	-$1.4M	$2.6M	$4.0M	$40.4M	31%

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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 (3)

Credit Risk Growth

risk

#81 of 936 • Bottom 8.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#408 of 1256 • Bottom 32.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.78%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#197 of 529 • Bottom 37.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.03%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available