BlastPoint's Banking Scorecard
Farmers State Bank
West Salem, OH
6 branches across OH
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 96 in OH.
- Deposits -3.7% year over year ($163.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.07%.
- Efficiency ratio 72.34% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.68% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25.8% in tier
- + Deposit Franchise: Top 57.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.2% in tier
- - Credit Risk Growth: Bottom 12.5% in tier
- - Deposit Outflow: Bottom 18.5% in tier
- - Flatlined Growth: Bottom 47.3% in tier
- - ROA 0.25% below tier average
- - Efficiency Ratio 7.86% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.5M
+0.9% YoY
-0.3% QoQ
|
-$199.0M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$126.7M
+5.1% YoY
+1.9% QoQ
|
-$131.7M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$163.0M
-3.7% YoY
-4.0% QoQ
|
-$163.7M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
25% |
| Return on Assets ? |
1.07%
+42.3% YoY
+7.7% QoQ
|
-0.25% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
38% |
| Net Interest Margin ? |
4.53%
+7.6% YoY
+1.4% QoQ
|
+0.54% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
72.34%
-6.0% YoY
-2.8% QoQ
|
+7.86% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
25% |
| Delinquency Rate ? |
0.00%
-50.9% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Top 11.8% in tier |
| Loan-to-Deposit Ratio ? |
77.68%
+9.2% YoY
+6.1% QoQ
|
-0.27% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
38.50%
-3.3% YoY
+6.9% QoQ
|
+16.47% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 5.9% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+16.4% QoQ
|
-0.54% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
12.88%
+0.2% YoY
-0.3% QoQ
|
-3.03% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.37%
+13.5% YoY
+127.2% QoQ
|
-0.19% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
83% |
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
38.5%
-1.3pp YoY +2.5pp QoQ |
+16.4pp | 22.1% | 18.8% | 22.2% | 94% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.1%
-0.8pp YoY +0.3pp QoQ |
+5.5pp | 11.6% | 10.2% | 12.5% | 82% |
| CRE |
20.2%
-2.0pp YoY -0.4pp QoQ |
-19.3pp | 39.5% | 34.2% | 41.4% | 18% |
| 1-4 Family |
41.1%
+3.1pp YoY +1.6pp QoQ |
+8.4pp | 32.6% | 50.0% | 31.3% | 72% |
| Consumer |
5.2%
+1.7pp YoY +0.8pp QoQ |
+1.1pp | 4.1% | 4.7% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.9%
0.0pp YoY 0.0pp QoQ |
-5.9pp | 18.8% | 22.1% | 19.7% | 26% |
| Leverage Ratio |
9.3%
+0.4pp YoY +0.3pp QoQ |
-2.9pp | 12.2% | 12.9% | 12.6% | 17% |
| Total Capital Ratio |
14.0%
+0.1pp YoY 0.0pp QoQ |
-6.0pp | 19.9% | 23.2% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
37
+1 (+2.8%) YoY +1 (+2.8%) QoQ |
-22 | 58 | 2,433 | 482 | 37% |
| Assets per Employee ($) |
$5.1M
-1.8% YoY -3.0% QoQ |
-$2.4M | $7.5M | $7.6M | $8.8M | 16% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 81 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 3% |
| Nonaccrual | n/a | n/a | 0.9% | 0.6% | 1.0% | n/a |
| Allowance Coverage |
1444.00x
+112.7% QoQ |
+1419.85x | 24.15x | 18.95x | 20.23x | 100% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.4%
+2.5pp YoY +0.8pp QoQ |
+3.2pp | 12.2% | 9.7% | 11.6% | 70% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.7% | 1.7% | 4% |
| Net Income ($, YTD) |
$1.0M
+45.1% YoY — QoQ |
-$1.5M | $2.6M | $259.3M | $40.4M | 27% |
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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 (4)
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.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.