BlastPoint's Banking Scorecard

Farmers Trust & Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 8510

Earling, IA

3 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits +1.0% year over year ($134.5M on the books).
Delinquency rate 0.00%.
Return on assets 1.78%.
Efficiency ratio 52.05% vs a 64.48% peer average.
Loan-to-deposit ratio 71.61% 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 167 in IA

View $100M-$1B leaderboard (IA) →

Farmers Trust & Savings Bank demonstrates 4 strengths

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

+ Profitability Leader: Top 46.8% in tier
+ Delinquency Rate 0.92% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 12.43% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Farmers Trust & Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$148.1M +1.5% YoY -1.2% QoQ	-$238.4M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Bottom 13.5% in tier
Total Loans ?	$96.3M +11.4% YoY +3.1% QoQ	-$162.0M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$134.5M +1.0% YoY -1.1% QoQ	-$192.2M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	1.78% +25.5% YoY +6.1% QoQ	+0.46%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	79%
Net Interest Margin ?	3.98% +16.3% YoY +1.9% QoQ	+0.00%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	52.05% -9.2% YoY -3.5% QoQ	-12.43%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	79%
Delinquency Rate ?	0.00% -100.0% YoY	-0.92%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	71.61% +10.3% YoY +4.3% QoQ	-6.35%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	21.04% +9.9% YoY -15.2% QoQ	-0.99%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	50%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.31% +0.8% YoY -3.6% QoQ	-2.59%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.11% -13.3% YoY +108.9% QoQ	-0.46%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	21%

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	21.0% +1.9pp YoY -3.8pp QoQ	-1.1pp	22.1%	17.8%	22.2%	50%
Brokered Deposits	n/a	n/a	7.9%	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% -0.7pp YoY +1.1pp QoQ	+0.8pp	11.6%	12.8%	12.5%	65%
CRE	9.3% +0.2pp YoY +0.1pp QoQ	-30.2pp	39.5%	28.3%	41.4%	4%
1-4 Family	13.3% +1.0pp YoY +0.2pp QoQ	-19.3pp	32.6%	23.0%	31.3%	16%
Consumer	2.2% -0.2pp YoY +0.1pp QoQ	-1.9pp	4.1%	2.9%	5.0%	51%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	13.3% +0.1pp YoY -0.5pp QoQ	-5.5pp	18.8%	15.4%	19.7%	32%
Leverage Ratio	9.0% +0.1pp YoY -0.1pp QoQ	-3.2pp	12.2%	12.4%	12.6%	12%
Total Capital Ratio	14.3% +0.2pp YoY -0.5pp QoQ	-5.6pp	19.9%	16.5%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	18 -1 (-5.3%) YoY 0 QoQ	-41	58	64	482	8%
Assets per Employee ($)	$8.2M +7.2% YoY -1.2% QoQ	+$711K	$7.5M	$8.9M	$8.8M	71%
Branch Count	3 0 YoY 0 QoQ	-2	4	5	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	18.97x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	17%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	19.6% +2.5pp YoY +1.3pp QoQ	+7.5pp	12.2%	12.8%	11.6%	87%
Cost of Funds (YTD)	1.5% -0.2pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	34%
Net Income ($, YTD)	$1.3M +27.8% YoY — QoQ	-$1.2M	$2.6M	$4.0M	$40.4M	36%

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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 (1)

Profitability Leader

growth

#310 of 661 • Top 46.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.78%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

547

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.32%

#547 of 2643 Top 20.7% in $100M-$1B

554

Efficiency Ratio

profitability

Value: 52.05%

Peer Median: 64.48%

#554 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (4 metrics)

2287

Total Assets

size

Value: $148.13M

Peer Median: $386.57M

#2287 of 2643 Bottom 13.5% in $100M-$1B

2207

Total Deposits

size

Value: $134.53M

Peer Median: $326.73M

#2207 of 2643 Bottom 16.5% in $100M-$1B

2183

Total Loans

size

Value: $96.33M

Peer Median: $258.35M

#2183 of 2643 Bottom 17.4% in $100M-$1B

2078

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2078 of 2643 Bottom 21.4% in $100M-$1B