BlastPoint's Banking Scorecard
The Farmers Bank, Frankfort, Indiana
Community
Specialty: Commercial
IN
FDIC cert 12828
Frankfort, IN
1484
banks in Community tier nationally
29 in IN
View Community leaderboard (IN) →
The Farmers Bank, Frankfort, Indiana faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15% in Community
- - Credit Quality Pressure: Bottom 23% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.0% YoY
+2.1% QoQ
|
-$252.1M |
$1.4B
+2.0% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$797.6M
+4.6% YoY
+2.0% QoQ
|
-$177.8M |
$975.5M
+2.4% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$921.1M
+23.4% YoY
+3.7% QoQ
|
-$243.5M |
$1.2B
+1.7% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.96%
+45.1% YoY
+1.7% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.50%
+7.7% YoY
-0.5% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
68.08%
-6.3% YoY
-1.0% QoQ
|
+5.45% |
62.63%
-5.3% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.35%
+19.0% YoY
+0.9% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
86.59%
-15.2% YoY
-1.6% QoQ
|
+3.53% |
83.06%
+0.3% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
26.25%
-21.0% YoY
+0.8% QoQ
|
+5.20% |
21.05%
-0.9% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.25%
+13.2% YoY
+0.8% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.60%
+1.3% YoY
+32.6% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#97 of 642 · Bottom 15% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Credit Quality Pressure
risk
#183 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.35%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.25% · Tier avg: 21.05%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Loans
Current: $797.6M · Tier avg: $975.5M
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
55
55th pctile
Total Deposits
Current: $921.1M · Tier avg: $1.2B
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.59% · Tier avg: 83.06%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
31
31th pctile
Efficiency Ratio
Current: 68.08% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Efficiency Ratio
Current: 68.08% · Tier avg: 62.63%
35
35th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
44
44th pctile
Loan-to-Deposit Ratio
Current: 86.59% · Tier avg: 83.06%
55
55th pctile
Total Deposits
Current: $921.1M · Tier avg: $1.2B
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
57
57th pctile
Total Loans
Current: $797.6M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
61
61th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.25% · Tier avg: 21.05%