BlastPoint's Banking Scorecard
Farmers State Bank
Community
Specialty: Commercial
IA
FDIC cert 12855
Waterloo, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Farmers State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 28% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
- - Flatlined Growth: Bottom 28% in Community
- - Liquidity Strain: Bottom 36% in Community
- - Net Interest Margin 1.22% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
-0.8% YoY
+3.6% QoQ
|
+$237.5M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$1.3B
-0.7% YoY
+1.6% QoQ
|
+$325.9M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$1.2B
+7.9% YoY
-0.7% QoQ
|
+$80.2M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.05%
+160.6% YoY
+12.2% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
2.44%
+39.6% YoY
+5.1% QoQ
|
-1.22% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
56.44%
-27.4% YoY
-5.4% QoQ
|
-6.19% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.05%
+77.9% YoY
+24.4% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
104.55%
-8.0% YoY
+2.3% QoQ
|
+21.49% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.05%
-7.9% YoY
+0.5% QoQ
|
-8.00% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.04%
+78.1% YoY
-7.8% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
12.83%
+5.3% YoY
+0.3% QoQ
|
+2.59% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.24%
+19.1% YoY
+30.9% QoQ
|
-0.50% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#104 of 371 · Top 28% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (4)
Credit Quality Pressure
risk
#33 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#70 of 245 · Bottom 28% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.05%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Strain
risk
#183 of 513 · Bottom 36% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
104.55%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 5%
in Community
Why this stands out
Current:
2.44%
(Tier avg: 3.66%, National avg: 3.75%)
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
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
69
69th pctile
Efficiency Ratio
Current: 56.44% · Tier avg: 62.63%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.83% · Tier avg: 10.24%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.05% · Tier avg: 21.05%
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.55% · Tier avg: 83.06%
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.66%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.44% · Tier avg: 3.66%
7
7th pctile
Loan-to-Deposit Ratio
Current: 104.55% · Tier avg: 83.06%
15
15th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.74%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.05% · Tier avg: 21.05%
43
43th pctile
Return on Assets
Current: 1.05% · Tier avg: 1.16%
56
56th pctile
Tier 1 Capital Ratio
Current: 12.83% · Tier avg: 10.24%
69
69th pctile
Efficiency Ratio
Current: 56.44% · Tier avg: 62.63%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
74
74th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
77
77th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%