BlastPoint's Banking Scorecard
Farmers State Bank
West Salem, OH
6 branches across OH
Farmers State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.7% in tier
- + Deposit Franchise: Top 68.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.3% in tier
- - Credit Risk Growth: Bottom 22.1% in tier
- - ROA 0.27% below tier average
- - Efficiency Ratio 9.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.1M
+3.0% YoY
-1.3% QoQ
|
-$197.9M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$124.3M
+7.2% YoY
+1.8% QoQ
|
-$131.4M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$169.8M
+2.2% YoY
-1.5% QoQ
|
-$158.1M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.99%
+43.1% YoY
+23.5% QoQ
|
-0.27% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
4.47%
+9.8% YoY
+2.9% QoQ
|
+0.54% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
74.39%
-7.4% YoY
-0.4% QoQ
|
+9.10% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.00%
-98.4% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 12.0% in tier |
| Loan-to-Deposit Ratio ? |
73.20%
+4.9% YoY
+3.4% QoQ
|
-3.43% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
36.03%
-2.6% YoY
-3.0% QoQ
|
+14.01% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Top 8.8% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+76.1% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
12.92%
-1.4% YoY
-0.3% QoQ
|
-2.91% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.16%
+0.3% YoY
-76.3% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
78% |
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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 (2)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.