BlastPoint's Banking Scorecard

The Farmers State Bank

under $100M Specialty: Agricultural IA FDIC cert 8503

Designations: ✓ Community bank

Marcus, IA

541 banks in the under $100M peer group nationally 33 in IA

The Farmers State Bank 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 0.90% above tier average
+ Efficiency Ratio 34.85% below tier average
+ Delinquency Rate 1.33% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.33% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$78.0M +4.2% YoY +2.9% QoQ	+$15.8M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$42.0M +1.6% YoY +3.2% QoQ	+$7.8M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	66%
Total Deposits ?	$68.5M +3.3% YoY +4.2% QoQ	+$16.8M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	1.74% +81.5% YoY +41.2% QoQ	+0.90%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	85%
Net Interest Margin ?	3.53% +16.6% YoY +11.3% QoQ	-0.33%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	53.49% -22.0% YoY -12.9% QoQ	-34.85%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 12.9% in tier
Delinquency Rate ?	0.04% -98.0% YoY -21.6% QoQ	-1.33%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	61.37% -1.7% YoY -0.9% QoQ	-2.84%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	21.10% +8.4% YoY +1.0% QoQ	-2.61%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	1.00% -12.7% YoY -3.3% QoQ	+0.21%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	12.70% -36.0% YoY -6.9% QoQ	-13.98%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.10% +64.8% YoY -78.7% QoQ	-0.56%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	71%

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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 541 peers in under $100M

Top Strengths (2 metrics)

Efficiency Ratio

profitability

Value: 53.49%

Peer Median: 88.34%

#71 of 541 Top 12.9% in under $100M

Return on Assets

profitability

Value: 1.74%

Peer Median: 0.84%

#83 of 541 Top 15.2% in under $100M

Top Weaknesses (1 metrics)

414

Nonperforming Asset Ratio

credit_quality

Value: 1.00%

Peer Median: 0.79%

#414 of 541 Bottom 23.7% in under $100M