BlastPoint's Banking Scorecard
Farmers Trust and Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14195
Designations: ✓ Community bank
Buffalo Center, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers Trust and Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.65% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$368.6M
+3.9% YoY
+5.9% QoQ
|
+$151.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$314.6M
+1.4% YoY
+2.8% QoQ
|
+$175.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$310.9M
+2.4% YoY
+4.6% QoQ
|
+$127.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
1.39%
+24.3% YoY
+0.1% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.53%
+13.8% YoY
+0.5% QoQ
|
-0.33% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
61.25%
-5.1% YoY
+1.1% QoQ
|
-6.48% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.09%
-88.1% YoY
+393.1% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
101.17%
-0.9% YoY
-1.7% QoQ
|
+26.65% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.99%
+8.1% YoY
+8.7% QoQ
|
-1.41% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.08%
-88.4% YoY
+378.6% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+3.5% YoY
+44.6% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.17%
(Tier avg: 74.53%, National avg: 78.04%)
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
94
94th pctile
Total Loans
Current: $314.6M · Tier avg: $139.2M
83
83th pctile
Total Assets
Current: $368.6M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $310.9M · Tier avg: $183.7M
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
63
63th pctile
Efficiency Ratio
Current: 61.25% · Tier avg: 67.73%
61
61th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.99% · Tier avg: 22.39%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.17% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.17% · Tier avg: 74.53%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.99% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
63
63th pctile
Efficiency Ratio
Current: 61.25% · Tier avg: 67.73%
69
69th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
83
83th pctile
Total Deposits
Current: $310.9M · Tier avg: $183.7M
83
83th pctile
Total Assets
Current: $368.6M · Tier avg: $217.5M
94
94th pctile
Total Loans
Current: $314.6M · Tier avg: $139.2M