BlastPoint's Banking Scorecard
Farmers Bank
Designations: ✓ Community bank
Parsons, TN
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 536 banks in the under $100M peer group nationwide — 1 of 6 in TN.
- Deposits +33.4% year over year ($85.8M on the books).
- Delinquency rate 0.31%.
- Return on assets 0.23%.
- Efficiency ratio 88.04% vs a 119.40% peer average.
- Loan-to-deposit ratio 89.15% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.40% above tier average
- + Efficiency Ratio 31.35% below tier average
- + Delinquency Rate 1.17% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.8M
+32.3% YoY
+14.6% QoQ
|
+$32.4M |
$62.4M
-0.0% YoY
|
$2.9B
+37.8% YoY
|
$6.3B
+7.7% YoY
|
Top 7.1% in tier |
| Total Loans ? |
$76.5M
+32.9% YoY
+5.7% QoQ
|
+$41.6M |
$34.9M
-0.6% YoY
|
$2.1B
+37.6% YoY
|
$3.2B
+9.4% YoY
|
Top 2.8% in tier |
| Total Deposits ? |
$85.8M
+33.4% YoY
+16.3% QoQ
|
+$34.1M |
$51.6M
-0.2% YoY
|
$2.4B
+35.4% YoY
|
$4.9B
+7.3% YoY
|
Top 2.2% in tier |
| Return on Assets ? |
0.23%
-55.8% YoY
+8.1% QoQ
|
-0.77% |
1.00%
+3.5% YoY
|
1.13%
+12.0% YoY
|
1.30%
+12.1% YoY
|
17% |
| Net Interest Margin ? |
5.31%
+4.5% YoY
+4.8% QoQ
|
+1.40% |
3.91%
+2.3% YoY
|
3.99%
+5.6% YoY
|
3.95%
+4.9% YoY
|
Top 6.5% in tier |
| Efficiency Ratio ? |
88.04%
+10.1% YoY
-1.0% QoQ
|
-31.35% |
119.40%
+49.6% YoY
|
65.40%
-4.8% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
0.31%
-25.1% YoY
-59.7% QoQ
|
-1.17% |
1.48%
+31.8% YoY
|
0.70%
+6.5% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
89.15%
-0.3% YoY
-9.1% QoQ
|
+14.94% |
74.21%
+12.6% YoY
|
81.19%
+2.5% YoY
|
79.03%
+2.3% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
16.53%
-4.6% YoY
+9.9% QoQ
|
-6.96% |
23.49%
+0.6% YoY
|
18.80%
-1.8% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.62%
+85.0% YoY
-8.7% QoQ
|
-0.21% |
0.84%
+23.0% YoY
|
0.58%
+9.8% YoY
|
0.69%
+15.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
9.06%
-4.0% YoY
-9.4% QoQ
|
-18.07% |
27.13%
+3.0% YoY
|
14.06%
-1.8% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.3% in tier |
| Non-Interest Income / Assets ? |
0.16%
+216.6% YoY
+651.5% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.34%
-6.5% YoY
|
0.66%
+5.2% YoY
|
61% |
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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.5%
-0.8pp YoY +1.5pp QoQ |
-8.1pp | 24.6% | 18.8% | 22.2% | 24% |
| Brokered Deposits |
18.7%
+2.4pp YoY -1.8pp QoQ |
+8.9pp | 9.8% | 9.4% | 8.5% | 80% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.7%
-0.6pp YoY -1.8pp QoQ |
-11.7pp | 13.4% | 10.9% | 12.5% | 5% |
| CRE | n/a | n/a | 25.2% | 42.4% | 41.4% | n/a |
| 1-4 Family |
58.8%
+2.7pp YoY +1.9pp QoQ |
+23.8pp | 35.0% | 39.8% | 31.3% | 80% |
| Consumer |
5.4%
-1.9pp YoY -0.4pp QoQ |
-2.3pp | 7.7% | 4.5% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 14.8% | 19.7% | n/a |
| Leverage Ratio |
9.1%
-0.4pp YoY -0.9pp QoQ |
-8.6pp | 17.7% | 11.4% | 12.6% | 9% |
| Total Capital Ratio | n/a | n/a | 39.7% | 15.9% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
+3 (+13.0%) YoY +2 (+8.3%) QoQ |
+14 | 12 | 270 | 482 | 96% |
| Assets per Employee ($) |
$3.6M
+17.0% YoY +5.8% QoQ |
-$2.5M | $6.2M | $7.1M | $8.8M | 15% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 17 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.1pp YoY -0.5pp QoQ |
-0.6pp | 1.0% | 0.2% | 0.4% | 42% |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage |
3.43x
+28.9% YoY +153.5% QoQ |
-2.98x | 6.41x | 28.97x | 20.23x | 73% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 37% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.4%
-3.1pp YoY +0.3pp QoQ |
-4.0pp | 6.4% | 10.9% | 11.6% | 21% |
| Cost of Funds (YTD) |
2.7%
0.0pp YoY +0.1pp QoQ |
+1.3pp | 1.4% | 2.0% | 1.7% | 96% |
| Net Income ($, YTD) |
$100,000
-45.7% YoY — QoQ |
-$218K | $317,817 | $16.7M | $40.4M | 24% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.