BlastPoint's Banking Scorecard
Farmers Bank
Designations: ✓ Community bank
Parsons, TN
Farmers Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 33.87% above tier average
- - ROA 0.62% below tier average
- - Efficiency Ratio 0.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.7M
+21.9% YoY
+1.6% QoQ
|
+$20.6M |
$62.2M
-0.6% YoY
|
$2.8B
+35.7% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$72.3M
+39.6% YoY
+9.2% QoQ
|
+$38.1M |
$34.2M
-1.4% YoY
|
$2.0B
+36.6% YoY
|
$3.2B
+10.8% YoY
|
Top 3.9% in tier |
| Total Deposits ? |
$73.7M
+21.8% YoY
+1.8% QoQ
|
+$22.0M |
$51.7M
-0.7% YoY
|
$2.4B
+35.2% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
0.21%
-62.0% YoY
-63.2% QoQ
|
-0.62% |
0.84%
-2.3% YoY
|
1.12%
+20.1% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
5.07%
+0.6% YoY
-7.2% QoQ
|
+1.21% |
3.86%
+2.8% YoY
|
3.93%
+7.0% YoY
|
3.89%
+5.7% YoY
|
Top 8.9% in tier |
| Efficiency Ratio ? |
88.93%
+7.1% YoY
+17.2% QoQ
|
+0.59% |
88.34%
+0.3% YoY
|
66.13%
-5.5% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.78%
-13.3% QoQ
|
-0.59% |
1.37%
+33.8% YoY
|
0.68%
+13.4% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
98.08%
+14.6% YoY
+7.3% QoQ
|
+33.87% |
64.22%
-0.7% YoY
|
79.84%
+2.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.04%
-18.2% YoY
+0.6% QoQ
|
-8.68% |
23.71%
+0.3% YoY
|
18.48%
-3.8% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.68%
-6.9% QoQ
|
-0.11% |
0.79%
+28.2% YoY
|
0.56%
+16.1% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
10.00%
+4.0% YoY
+0.2% QoQ
|
-16.68% |
26.68%
+2.0% YoY
|
14.23%
-1.0% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.7% in tier |
| Non-Interest Income / Assets ? |
0.02%
-29.7% YoY
-71.4% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.17%
-1.0% YoY
|
0.32%
+4.1% YoY
|
16% |
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Signature Analysis
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Metric Rankings
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