BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Yale, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits +2.6% year over year ($64.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.09%.
- Efficiency ratio 41.92% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.64% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.09% above tier average
- + Efficiency Ratio 77.48% below tier average
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 1.35% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.6M
+4.3% YoY
-2.4% QoQ
|
+$10.2M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$40.2M
+16.1% YoY
+4.7% QoQ
|
+$5.3M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$64.2M
+2.6% YoY
-3.5% QoQ
|
+$12.6M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
2.09%
+58.0% YoY
+12.6% QoQ
|
+1.09% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Top 9.5% in tier |
| Net Interest Margin ? |
3.91%
+23.4% YoY
+3.4% QoQ
|
+0.00% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
41.92%
-22.8% YoY
-0.2% QoQ
|
-77.48% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 3.5% in tier |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
62.64%
+13.1% YoY
+8.5% QoQ
|
-11.57% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
30.44%
-2.3% YoY
-8.9% QoQ
|
+6.95% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.03%
+9.3% YoY
+6.2% QoQ
|
-15.09% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.03%
+13.8% YoY
+77.0% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.0% in tier |
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 |
30.4%
-0.7pp YoY -3.0pp QoQ |
+5.8pp | 24.6% | 17.8% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.2%
-0.5pp YoY +0.2pp QoQ |
-5.2pp | 13.4% | 12.8% | 12.5% | 42% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
38.7%
+2.2pp YoY -1.5pp QoQ |
+3.8pp | 35.0% | 23.0% | 31.3% | 60% |
| Consumer |
4.2%
+0.2pp YoY 0.0pp QoQ |
-3.5pp | 7.7% | 2.9% | 5.0% | 44% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
12.0%
+1.0pp YoY +0.7pp QoQ |
-5.7pp | 17.7% | 12.4% | 12.6% | 40% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
-2 (-33.3%) YoY -1 (-20.0%) QoQ |
-8 | 12 | 64 | 482 | 2% |
| Assets per Employee ($) |
$18.2M
+56.5% YoY +22.0% QoQ |
+$12.0M | $6.2M | $8.9M | $8.8M | 99% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.6%
+5.0pp YoY +1.8pp QoQ |
+13.2pp | 6.4% | 12.8% | 11.6% | 94% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 65% |
| Net Income ($, YTD) |
$766,000
+64.7% YoY — QoQ |
+$448K | $317,817 | $4.0M | $40.4M | 91% |
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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.