BlastPoint's Banking Scorecard
Farmers Bank of Lohman, Missouri
Designations: ✓ Community bank
Jefferson City, MO
2 branches across MO
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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +3.9% year over year ($70.1M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.18%.
- Efficiency ratio 51.21% vs a 119.40% peer average.
- Loan-to-deposit ratio 33.90% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Bank of Lohman, Missouri has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.19% above tier average
- + Efficiency Ratio 68.19% below tier average
- + Delinquency Rate 1.46% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.91% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.9M
+4.5% YoY
+2.4% QoQ
|
+$20.5M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$23.8M
-3.2% YoY
-4.4% QoQ
|
-$11.1M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$70.1M
+3.9% YoY
+2.5% QoQ
|
+$18.4M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.18%
-19.4% YoY
+11.1% QoQ
|
+0.19% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.01%
+9.8% YoY
+2.0% QoQ
|
-0.91% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
15% |
| Efficiency Ratio ? |
51.21%
+11.8% YoY
-4.9% QoQ
|
-68.19% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 10.8% in tier |
| Delinquency Rate ? |
0.02%
-26.2% YoY
-12.8% QoQ
|
-1.46% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
33.90%
-6.9% YoY
-6.7% QoQ
|
-40.31% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Top 11.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.02%
+2.9% YoY
+8.8% QoQ
|
-0.47% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.01%
-31.7% YoY
-18.6% QoQ
|
-0.83% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
17.13%
+1.3% YoY
-0.1% QoQ
|
-10.00% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.06%
-85.5% YoY
+99.6% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
21% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.0%
+0.6pp YoY +1.9pp QoQ |
-1.6pp | 24.6% | 20.9% | 22.2% | 46% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
-1.4pp YoY +0.1pp QoQ |
+1.9pp | 13.4% | 12.3% | 12.5% | 70% |
| CRE |
15.4%
+2.4pp YoY +1.3pp QoQ |
-9.9pp | 25.2% | 36.8% | 41.4% | 33% |
| 1-4 Family |
55.1%
-0.6pp YoY -0.6pp QoQ |
+20.2pp | 35.0% | 31.9% | 31.3% | 77% |
| Consumer |
7.3%
-0.2pp YoY +0.2pp QoQ |
-0.4pp | 7.7% | 4.1% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
17.1%
+0.2pp YoY 0.0pp QoQ |
-0.6pp | 17.7% | 11.6% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 162 | 482 | 36% |
| Assets per Employee ($) |
$9.2M
+4.5% YoY +2.4% QoQ |
+$3.0M | $6.2M | $8.0M | $8.8M | 89% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 10 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.3% | 0.4% | 10% |
| Nonaccrual | n/a | n/a | 1.7% | 0.8% | 1.0% | n/a |
| Allowance Coverage |
42.20x
+40.0% YoY +20.0% QoQ |
+35.79x | 6.41x | 10.47x | 20.23x | 97% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.7%
-2.7pp YoY +0.8pp QoQ |
+1.3pp | 6.4% | 14.3% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.0%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.8% | 1.7% | 28% |
| Net Income ($, YTD) |
$482,000
-15.7% YoY — QoQ |
+$164K | $317,817 | $11.3M | $40.4M | 73% |
Get Full Access to Farmers Bank of Lohman, Missouri
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.