BlastPoint's Banking Scorecard
Farmers State Bank
Algona, IA
3 branches across IA
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 167 in IA.
- Deposits +11.2% year over year ($130.7M on the books).
- Delinquency rate 0.93%.
- Return on assets 1.55%.
- Efficiency ratio 59.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.41% 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 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.22% above tier average
- + Efficiency Ratio 5.23% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.5M
+9.9% YoY
-4.4% QoQ
|
-$236.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.1% in tier |
| Total Loans ? |
$109.0M
+9.1% YoY
+3.7% QoQ
|
-$149.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$130.7M
+11.2% YoY
-5.2% QoQ
|
-$196.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.55%
+13.3% YoY
+16.4% QoQ
|
+0.22% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.86%
+3.0% YoY
+5.9% QoQ
|
-0.13% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
59.25%
-0.9% YoY
-5.4% QoQ
|
-5.23% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
0.93%
+537.9% YoY
+33.2% QoQ
|
+0.01% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
83.41%
-1.9% YoY
+9.3% QoQ
|
+5.46% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
9.77%
+10.9% YoY
+0.6% QoQ
|
-12.26% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.1% in tier |
| Nonperforming Asset Ratio ? |
0.67%
+533.2% YoY
+44.4% QoQ
|
+0.00% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.70%
-0.6% YoY
+3.0% QoQ
|
-3.21% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.17%
-17.2% YoY
+103.8% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
42% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
9.8%
+1.0pp YoY +0.1pp QoQ |
-12.4pp | 22.1% | 17.8% | 22.2% | 10% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 6.0% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.4%
-0.3pp YoY -0.5pp QoQ |
+3.9pp | 11.6% | 12.8% | 12.5% | 78% |
| CRE |
13.6%
+1.8pp YoY +0.1pp QoQ |
-25.9pp | 39.5% | 28.3% | 41.4% | 9% |
| 1-4 Family |
28.5%
+0.5pp YoY +0.9pp QoQ |
-4.1pp | 32.6% | 23.0% | 31.3% | 48% |
| Consumer |
3.4%
+0.8pp YoY -0.1pp QoQ |
-0.7pp | 4.1% | 2.9% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
12.7%
-0.1pp YoY +0.4pp QoQ |
+0.5pp | 12.2% | 12.4% | 12.6% | 72% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
-3 (-15.0%) YoY -2 (-10.5%) QoQ |
-42 | 58 | 64 | 482 | 7% |
| Assets per Employee ($) |
$8.9M
+29.3% YoY +6.9% QoQ |
+$1.3M | $7.5M | $8.9M | $8.8M | 78% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.3pp QoQ |
0.0pp | 0.3% | 0.4% | 0.4% | 75% |
| Nonaccrual |
0.6%
+0.5pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 58% |
| Allowance Coverage |
1.47x
-84.9% YoY -26.1% QoQ |
-22.69x | 24.15x | 18.97x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.5%
+1.1pp YoY +1.6pp QoQ |
+0.3pp | 12.2% | 12.8% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.5%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 35% |
| Net Income ($, YTD) |
$1.2M
+21.0% YoY — QoQ |
-$1.4M | $2.6M | $4.0M | $40.4M | 32% |
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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.