BlastPoint's Banking Scorecard

Farmers Bank

under $100M Specialty: Commercial TN FDIC cert 8661

Designations: ✓ Community bank

Parsons, TN

537 banks in the under $100M peer group nationally 6 in TN

Farmers Bank has 2 strengths but faces 3 concerns

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

+ Net Interest Margin 1.20% above tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 33.97% above tier average
- ROA 0.64% below tier average
- Efficiency Ratio 1.30% above tier average

Get updates when Farmers Bank releases new data →

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	+$20.4M	$62.3M -0.5% YoY	$2.8B +35.7% YoY	$6.2B +9.0% YoY	74%
Total Loans ?	$72.3M +39.6% YoY +9.2% QoQ	+$38.0M	$34.3M -1.5% YoY	$2.0B +36.6% YoY	$3.2B +10.7% YoY	Top 3.9% in tier
Total Deposits ?	$73.7M +21.8% YoY +1.8% QoQ	+$21.9M	$51.8M -0.6% YoY	$2.4B +35.2% YoY	$4.8B +8.0% YoY	80%
Return on Assets ?	0.21% -62.0% YoY -63.2% QoQ	-0.64%	0.86% -3.6% YoY	1.12% +20.1% YoY	1.24% +13.1% YoY	20%
Net Interest Margin ?	5.07% +0.6% YoY -7.2% QoQ	+1.20%	3.87% +2.7% 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	+1.30%	87.63% +2.3% YoY	66.13% -5.5% YoY	66.84% -3.8% YoY	21%
Delinquency Rate ?	0.78% -13.3% QoQ	-0.58%	1.36% +33.7% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	41%
Loan-to-Deposit Ratio ?	98.08% +14.6% YoY +7.3% QoQ	+33.97%	64.11% -0.9% YoY	79.84% +2.1% YoY	76.69% +0.9% YoY	Bottom 8.8% in tier
Non-Interest-Bearing Deposit Share ?	15.04% -18.2% YoY +0.6% QoQ	-8.75%	23.79% +0.5% YoY	18.48% -3.8% YoY	22.01% -1.1% YoY	24%
Nonperforming Asset Ratio ?	0.68% -6.9% QoQ	-0.09%	0.77% +28.7% YoY	0.56% +16.1% YoY	0.66% +19.3% YoY	31%
Tier 1 Capital Ratio ?	10.00% +4.0% YoY +0.2% QoQ	-16.77%	26.77% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	Bottom 6.5% in tier
Non-Interest Income / Assets ?	0.02% -29.7% YoY -71.4% QoQ	-0.65%	0.67% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.0% YoY	16%

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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 537 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $72.33M

Peer Median: $34.29M

#22 of 537 Top 3.9% in under $100M

Net Interest Margin

profitability

Value: 5.07%

Peer Median: 3.87%

#49 of 537 Top 8.9% in under $100M

110

Total Deposits

size

Value: $73.74M

Peer Median: $51.83M

#110 of 537 Top 20.3% in under $100M

Top Weaknesses (6 metrics)

503

Tier 1 Capital Ratio

capital

Value: 10.00%

Peer Median: 26.77%

#503 of 537 Bottom 6.5% in under $100M

491

Loan-to-Deposit Ratio

liquidity

Value: 98.08%

Peer Median: 64.11%

#491 of 537 Bottom 8.8% in under $100M

454

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#454 of 537 Bottom 15.6% in under $100M

433

Return on Assets

profitability

Value: 0.21%

Peer Median: 0.86%

#433 of 537 Bottom 19.6% in under $100M

423

Efficiency Ratio

profitability

Value: 88.93%

Peer Median: 87.63%

#423 of 537 Bottom 21.4% in under $100M

408

Non-Interest-Bearing Deposit Share

funding

Value: 15.04%

Peer Median: 23.79%

#408 of 537 Bottom 24.2% in under $100M