BlastPoint's Banking Scorecard

The Farmers Bank of Appomattox

$100M-$1B Specialty: Other VA FDIC cert 6813

Appomattox, VA

6 branches across VA

2664 banks in the $100M-$1B peer group nationally 22 in VA

The Farmers Bank of Appomattox has 3 strengths but faces 1 concern

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 0.13% above tier average
+ Efficiency Ratio 0.44% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

- ROA 0.56% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$369.0M +2.9% YoY +0.9% QoQ	-$17.1M	$386.1M +0.5% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$250.5M +9.1% YoY +1.9% QoQ	-$5.2M	$255.7M +1.1% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	59%
Total Deposits ?	$323.5M +2.1% YoY +2.0% QoQ	-$4.5M	$328.0M +0.1% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	0.70% -2.5% YoY -22.6% QoQ	-0.56%	1.27% +12.9% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	4.06% +11.2% YoY +6.0% QoQ	+0.13%	3.93% +6.0% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	64.85% -5.5% YoY -0.5% QoQ	-0.44%	65.29% -4.5% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	45%
Delinquency Rate ?	0.66% -11.9% YoY -13.6% QoQ	-0.22%	0.89% +18.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	38%
Loan-to-Deposit Ratio ?	77.43% +6.9% YoY -0.1% QoQ	+0.79%	76.64% +0.8% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	21.01% +0.7% YoY +5.6% QoQ	-1.01%	22.02% -1.0% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	0.45% -6.6% YoY -12.8% QoQ	-0.19%	0.64% +19.7% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	18.21% -0.4% YoY -1.7% QoQ	+2.38%	15.83% +1.5% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.07% +1.4% YoY -79.4% QoQ	-0.21%	0.28% +9.3% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	33%

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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 (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

491

Tier 1 Capital Ratio

capital

Value: 18.21%

Peer Median: 15.83%

#491 of 2664 Top 18.4% in $100M-$1B

Top Weaknesses (1 metrics)

2104

Return on Assets

profitability

Value: 0.70%

Peer Median: 1.27%

#2104 of 2664 Bottom 21.1% in $100M-$1B