BlastPoint's Banking Scorecard
Farmers State Bank
Designations: ✓ Community bank
Lake View, IA
Farmers State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.22% above tier average
- + Efficiency Ratio 19.30% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.6M
+5.5% YoY
+7.5% QoQ
|
-$23.6M |
$62.2M
-0.6% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$12.1M
-0.5% YoY
-5.1% QoQ
|
-$22.2M |
$34.2M
-1.4% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 12.9% in tier |
| Total Deposits ? |
$33.4M
+5.6% YoY
+8.7% QoQ
|
-$18.3M |
$51.7M
-0.7% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
1.05%
+77.7% YoY
+36.7% QoQ
|
+0.22% |
0.84%
-2.3% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
55% |
| Net Interest Margin ? |
3.66%
+11.1% YoY
+5.2% QoQ
|
-0.20% |
3.86%
+2.8% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
69.05%
-13.6% YoY
-2.6% QoQ
|
-19.30% |
88.34%
+0.3% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
55% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
36.13%
-5.7% YoY
-12.7% QoQ
|
-28.09% |
64.22%
-0.7% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.46%
+4.5% YoY
-4.1% QoQ
|
-5.25% |
23.71%
+0.3% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.53%
+2.9% YoY
-2.1% QoQ
|
-13.16% |
26.68%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.02%
-14.7% YoY
-78.0% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
18% |
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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.
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Concerns (0)
Metric Rankings
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