BlastPoint's Banking Scorecard

Farmers Bank of Lohman, Missouri

under $100M Specialty: Other MO FDIC cert 8268

Designations: ✓ Community bank

Jefferson City, MO

2 branches across MO

537 banks in the under $100M peer group nationally 16 in MO

Farmers Bank of Lohman, Missouri 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

+ ROA 0.21% above tier average
+ Efficiency Ratio 33.78% below tier average
+ Delinquency Rate 1.34% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.92% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$81.0M +3.0% YoY +0.5% QoQ	+$18.7M	$62.3M -0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	72%
Total Loans ?	$24.8M +3.5% YoY +2.9% QoQ	-$9.4M	$34.3M -1.5% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	36%
Total Deposits ?	$68.4M +1.6% YoY +0.9% QoQ	+$16.5M	$51.8M -0.6% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	72%
Return on Assets ?	1.06% -41.5% YoY -16.4% QoQ	+0.21%	0.86% -3.6% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	57%
Net Interest Margin ?	2.95% +11.6% YoY +3.3% QoQ	-0.92%	3.87% +2.7% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Bottom 14.9% in tier
Efficiency Ratio ?	53.85% +30.4% YoY +8.3% QoQ	-33.78%	87.63% +2.3% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	Top 13.8% in tier
Delinquency Rate ?	0.02% -27.6% YoY -2.8% QoQ	-1.34%	1.36% +33.7% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	36.35% +1.9% YoY +2.0% QoQ	-27.76%	64.11% -0.9% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	Top 14.0% in tier
Non-Interest-Bearing Deposit Share ?	21.17% -4.0% YoY +1.3% QoQ	-2.62%	23.79% +0.5% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	43%
Nonperforming Asset Ratio ?	0.01% -27.2% YoY -0.5% QoQ	-0.77%	0.77% +28.7% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	70%
Tier 1 Capital Ratio ?	17.14% +1.6% YoY +2.6% QoQ	-9.63%	26.77% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.03% -92.2% YoY -93.6% QoQ	-0.64%	0.67% +1.6% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	21%

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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 537 peers in under $100M

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 53.85%

Peer Median: 87.63%

#75 of 537 Top 13.8% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 36.35%

Peer Median: 64.11%

#76 of 537 Top 14.0% in under $100M

Top Weaknesses (2 metrics)

458

Net Interest Margin

profitability

Value: 2.95%

Peer Median: 3.87%

#458 of 537 Bottom 14.9% in under $100M

423

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.67%

#423 of 537 Bottom 21.4% in under $100M