BlastPoint

BlastPoint's Banking Scorecard

The Farmers Bank of Appomattox

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

Appomattox, VA

6 branches across VA

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 23 in VA.
  • Deposits -2.6% year over year ($313.6M on the books).
  • Delinquency rate 0.59%.
  • Return on assets 0.98%.
  • Efficiency ratio 71.95% vs a 64.48% peer average.
  • Loan-to-deposit ratio 82.37% 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 23 in VA
View $100M-$1B leaderboard (VA) →

The Farmers Bank of Appomattox has 3 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

  • + Revenue Diversifier: Top 14.5% in tier
  • + Net Interest Margin 0.18% above tier average
  • + Delinquency Rate 0.33% below tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 29.0% in tier
  • - Liquidity Overhang: Bottom 40.6% in tier
  • - ROA 0.34% below tier average
  • - Efficiency Ratio 7.47% above tier average
Get updates when The Farmers Bank of Appomattox releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $374.6M
+2.3% YoY +1.5% QoQ
-$12.0M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
58%
Total Loans ? $258.3M
+9.6% YoY +3.1% QoQ
-$62K $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
60%
Total Deposits ? $313.6M
-2.6% YoY -3.1% QoQ
-$13.2M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 0.98%
+18.8% YoY +39.7% QoQ
-0.34% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.16%
+10.9% YoY +2.6% QoQ
+0.18% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 71.95%
+6.4% YoY +10.9% QoQ
+7.47% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
26%
Delinquency Rate ? 0.59%
-10.9% YoY -10.8% QoQ
-0.33% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
42%
Loan-to-Deposit Ratio ? 82.37%
+12.5% YoY +6.4% QoQ
+4.42% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
44%
Non-Interest-Bearing Deposit Share ? 20.42%
-4.9% YoY -2.8% QoQ
-1.61% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
47%
Nonperforming Asset Ratio ? 0.41%
-4.5% YoY -9.4% QoQ
-0.26% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 18.53%
+1.6% YoY +1.8% QoQ
+2.62% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
83%
Non-Interest Income / Assets ? 0.93%
+487.8% YoY
+0.36% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
Top 3.9% in tier

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 20.4%
-1.1pp YoY
-0.6pp QoQ
 -1.7pp 22.1% 26.2% 22.2% 47%
Brokered Deposits 6.4%
+0.2pp YoY
+0.2pp QoQ
 -1.5pp 7.9% 8.5% 8.5% 60%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 7.0%
+1.6pp YoY
+1.6pp QoQ
 -4.6pp 11.6% 11.0% 12.5% 33%
CRE 23.3%
+1.4pp YoY
+0.3pp QoQ
 -16.3pp 39.5% 46.9% 41.4% 24%
1-4 Family 53.3%
+1.3pp YoY
-0.2pp QoQ
 +20.7pp 32.6% 32.6% 31.3% 85%
Consumer 14.0%
-3.0pp YoY
-0.8pp QoQ
 +9.9pp 4.1% 8.0% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio 18.5%
+0.3pp YoY
+0.3pp QoQ
 -0.3pp 18.8% 17.2% 19.7% 72%
Leverage Ratio 12.6%
+0.2pp YoY
+0.2pp QoQ
 +0.4pp 12.2% 12.2% 12.6% 71%
Total Capital Ratio 19.2%
+0.3pp YoY
+0.3pp QoQ
 -0.8pp 19.9% 18.3% 20.8% 69%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 75
-2 (-2.6%) YoY
+4 (+5.6%) QoQ
 +16 58 1,956 482 74%
Assets per Employee ($) $5.0M
+5.0% YoY
-3.9% QoQ
 -$2.5M $7.5M $9.9M $8.8M 15%
Branch Count 6
0 YoY
0 QoQ
 +1 4 28 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 1%
Nonaccrual 0.6%
-0.1pp YoY
-0.1pp QoQ
 -0.3pp 0.9% 0.7% 1.0% 57%
Allowance Coverage 1.04x
+16.0% YoY
+7.7% QoQ
 -23.12x 24.15x 9.47x 20.23x 28%
Net Charge-off Rate (YTD) 0.5%
+0.2pp YoY
-0.1pp QoQ
 +0.4pp 0.1% 0.2% 0.2% 94%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 9.3%
+0.7pp YoY
+2.6pp QoQ
 -2.9pp 12.2% 12.0% 11.6% 32%
Cost of Funds (YTD) 1.5%
-0.1pp YoY
-0.1pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 34%
Net Income ($, YTD) $1.8M
+22.4% YoY
— QoQ
 -$736K $2.6M $137.1M $40.4M 49%

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 (1)

Revenue Diversifier

growth
#97 of 661 • Top 14.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.93%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.98%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Concerns (2)

Deposit Outflow

decline
#156 of 535 • Bottom 29.0% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ

Liquidity Overhang

risk
#302 of 742 • Bottom 40.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.53%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 82.37%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

103
Non-Interest Income / Assets
revenue_mix
Value: 0.93%
Peer Median: 0.57%
#103 of 2643 Top 3.9% in $100M-$1B
456
Tier 1 Capital Ratio
capital
Value: 18.53%
Peer Median: 15.91%
#456 of 2643 Top 17.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026