BlastPoint's Banking Scorecard
The Farmers State Bank
Designations: ✓ Community bank
Marcus, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits +2.8% year over year ($67.2M on the books).
- Delinquency rate 0.52%.
- Return on assets 1.87%.
- Efficiency ratio 51.00% vs a 119.40% peer average.
- Loan-to-deposit ratio 63.78% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.88% above tier average
- + Efficiency Ratio 68.39% below tier average
- + Delinquency Rate 0.96% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.2M
+3.1% YoY
-1.0% QoQ
|
+$14.7M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$42.8M
-0.7% YoY
+1.9% QoQ
|
+$7.9M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$67.2M
+2.8% YoY
-2.0% QoQ
|
+$15.5M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.87%
+105.9% YoY
+7.8% QoQ
|
+0.88% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Top 13.6% in tier |
| Net Interest Margin ? |
3.52%
+16.9% YoY
-0.2% QoQ
|
-0.39% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
30% |
| Efficiency Ratio ? |
51.00%
-22.2% YoY
-4.6% QoQ
|
-68.39% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 10.6% in tier |
| Delinquency Rate ? |
0.52%
-73.8% YoY
|
-0.96% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
63.78%
-3.5% YoY
+3.9% QoQ
|
-10.43% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
18.13%
-4.7% YoY
-14.1% QoQ
|
-5.36% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.29%
-74.7% YoY
-71.0% QoQ
|
-0.55% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.19%
-33.0% YoY
+3.8% QoQ
|
-13.93% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.24%
+26.9% YoY
+139.1% QoQ
|
-1.14% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
77% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
18.1%
-0.9pp YoY -3.0pp QoQ |
-6.5pp | 24.6% | 17.8% | 22.2% | 29% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
12.4%
-3.2pp YoY -0.3pp QoQ |
-1.0pp | 13.4% | 12.8% | 12.5% | 60% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
15.5%
+2.3pp YoY +1.6pp QoQ |
-19.5pp | 35.0% | 23.0% | 31.3% | 31% |
| Consumer |
3.3%
+0.3pp YoY +0.8pp QoQ |
-4.4pp | 7.7% | 2.9% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
13.2%
+0.4pp YoY +0.5pp QoQ |
-4.5pp | 17.7% | 12.4% | 12.6% | 55% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-1 (-10.0%) YoY 0 QoQ |
-3 | 12 | 64 | 482 | 36% |
| Assets per Employee ($) |
$8.6M
+14.5% YoY -1.0% QoQ |
+$2.4M | $6.2M | $8.9M | $8.8M | 85% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
-1.5pp YoY +0.5pp QoQ |
-1.2pp | 1.7% | 1.0% | 1.0% | 41% |
| Allowance Coverage |
4.97x
+388.3% YoY -92.3% QoQ |
-1.44x | 6.41x | 18.97x | 20.23x | 80% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.7pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.2%
+7.0pp YoY +1.0pp QoQ |
+8.8pp | 6.4% | 12.8% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 63% |
| Net Income ($, YTD) |
$721,000
+112.7% YoY — QoQ |
+$403K | $317,817 | $4.0M | $40.4M | 88% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.