BlastPoint's Banking Scorecard

Farmers Trust & Savings Bank

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

Earling, IA

3 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.41% above tier average
+ Efficiency Ratio 11.34% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$149.9M +3.9% YoY +4.3% QoQ	-$236.1M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 14.2% in tier
Total Loans ?	$93.4M +10.3% YoY +0.4% QoQ	-$162.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$136.0M +3.1% YoY +4.6% QoQ	-$191.9M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.68% +25.3% YoY +6.9% QoQ	+0.41%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.91% +15.1% YoY +7.5% QoQ	-0.02%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	52%
Efficiency Ratio ?	53.95% -9.3% YoY -1.6% QoQ	-11.34%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	68.66% +7.0% YoY -4.1% QoQ	-7.98%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	24.82% +29.3% YoY +20.6% QoQ	+2.80%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	65%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.81% +5.9% YoY -0.1% QoQ	-2.02%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.05% -13.7% YoY -78.9% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	20%

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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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

624

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#624 of 2664 Top 23.4% in $100M-$1B

634

Efficiency Ratio

profitability

Value: 53.95%

Peer Median: 65.29%

#634 of 2664 Top 23.8% in $100M-$1B

Top Weaknesses (4 metrics)

2287

Total Assets

size

Value: $149.94M

Peer Median: $386.08M

#2287 of 2664 Bottom 14.2% in $100M-$1B

2208

Total Deposits

size

Value: $136.04M

Peer Median: $327.97M

#2208 of 2664 Bottom 17.2% in $100M-$1B

2206

Total Loans

size

Value: $93.40M

Peer Median: $255.72M

#2206 of 2664 Bottom 17.2% in $100M-$1B

2120

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2120 of 2664 Bottom 20.5% in $100M-$1B