BlastPoint's Banking Scorecard
Farmers State Bank
Lincolnton, GA
3 branches across GA
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 GA.
- Deposits -0.3% year over year ($160.3M on the books).
- Delinquency rate 0.17%.
- Return on assets 2.67%.
- Efficiency ratio 53.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 54.71% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 6.8% in tier
- + Revenue Diversifier: Top 35.1% in tier
- + Return on Assets 1.35% above tier average
- + Efficiency Ratio 10.84% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.8% in tier
- - Credit Risk Growth: Bottom 13.9% in tier
- - Liquidity Overhang: Bottom 26.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.2M
+1.2% YoY
-1.3% QoQ
|
-$200.4M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$87.7M
+4.9% YoY
+5.0% QoQ
|
-$170.6M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 13.7% in tier |
| Total Deposits ? |
$160.3M
-0.3% YoY
-1.6% QoQ
|
-$166.4M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
2.67%
-4.1% YoY
+8.1% QoQ
|
+1.35% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 3.4% in tier |
| Net Interest Margin ? |
5.39%
-2.7% YoY
+1.1% QoQ
|
+1.40% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
Top 3.7% in tier |
| Efficiency Ratio ? |
53.64%
+3.0% YoY
-5.7% QoQ
|
-10.84% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.17%
+24.3% YoY
+31.0% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
54.71%
+5.2% YoY
+6.7% QoQ
|
-23.24% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 12.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
48.06%
-13.6% YoY
-2.5% QoQ
|
+26.03% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
Top 2.0% in tier |
| Nonperforming Asset Ratio ? |
0.08%
+28.9% YoY
+39.4% QoQ
|
-0.59% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
74% |
| Tier 1 Capital Ratio ? |
31.65%
-2.9% YoY
-6.4% QoQ
|
+15.74% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
Top 3.5% in tier |
| Non-Interest Income / Assets ? |
0.33%
+7.5% YoY
+104.9% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
77% |
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
48.1%
-7.6pp YoY -1.2pp QoQ |
+25.9pp | 22.1% | 26.2% | 22.2% | 98% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.9%
+1.5pp YoY -0.2pp QoQ |
-2.6pp | 11.6% | 9.7% | 12.5% | 46% |
| CRE | n/a | n/a | 39.5% | 48.9% | 41.4% | n/a |
| 1-4 Family |
45.0%
0.0pp YoY -1.2pp QoQ |
+12.4pp | 32.6% | 31.7% | 31.3% | 77% |
| Consumer |
9.9%
-1.8pp YoY -0.7pp QoQ |
+5.8pp | 4.1% | 4.8% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
31.6%
-0.9pp YoY -2.2pp QoQ |
+12.8pp | 18.8% | 20.9% | 19.7% | 94% |
| Leverage Ratio |
15.4%
+0.3pp YoY -0.5pp QoQ |
+3.3pp | 12.2% | 14.0% | 12.6% | 89% |
| Total Capital Ratio |
32.9%
-0.9pp YoY -2.2pp QoQ |
+13.0pp | 19.9% | 22.1% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
-4 (-10.8%) YoY -2 (-5.7%) QoQ |
-26 | 58 | 98 | 482 | 31% |
| Assets per Employee ($) |
$5.6M
+13.5% YoY +4.7% QoQ |
-$1.9M | $7.5M | $7.5M | $8.8M | 26% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 0.8% | 1.0% | 27% |
| Allowance Coverage |
9.78x
-26.2% YoY -28.3% QoQ |
-14.37x | 24.15x | 38.10x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.2%
0.0pp YoY 0.0pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.1%
-3.7pp YoY +1.4pp QoQ |
+7.9pp | 12.2% | 13.6% | 11.6% | 88% |
| Cost of Funds (YTD) |
0.6%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.7% | 1.6% | 1.7% | 3% |
| Net Income ($, YTD) |
$2.5M
-3.9% YoY — QoQ |
-$67K | $2.6M | $6.6M | $40.4M | 62% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
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.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.