BlastPoint's Banking Scorecard
Farmers State Bank
Community
Specialty: Commercial
IA
FDIC cert 14209
Marion, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Farmers State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 20% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 29% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+7.3% YoY
+2.3% QoQ
|
-$281.2M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$837.0M
+7.3% YoY
+3.9% QoQ
|
-$138.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$911.5M
+7.3% YoY
+2.8% QoQ
|
-$253.1M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.53%
+73.0% YoY
+6.2% QoQ
|
+0.37% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.26%
+27.2% YoY
+2.9% QoQ
|
-0.41% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
55.35%
-18.3% YoY
-4.0% QoQ
|
-7.28% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.16%
-46.7% YoY
-35.3% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
91.83%
+0.0% YoY
+1.0% QoQ
|
+8.76% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
18.30%
-9.7% YoY
-1.8% QoQ
|
-2.75% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.12%
-49.0% YoY
-34.3% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.51%
-10.5% YoY
+29.9% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#74 of 371 · Top 20% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.53%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Concerns (1)
Liquidity Strain
risk
#151 of 513 · Bottom 29% 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:
91.83%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
72
72th pctile
Efficiency Ratio
Current: 55.35% · Tier avg: 62.63%
60
60th pctile
Total Loans
Current: $837.0M · Tier avg: $975.5M
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $911.5M · Tier avg: $1.2B
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.30% · Tier avg: 21.05%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.83% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
Top Weaknesses
28
28th pctile
Net Interest Margin
Current: 3.26% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Loan-to-Deposit Ratio
Current: 91.83% · Tier avg: 83.06%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 18.30% · Tier avg: 21.05%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
54
54th pctile
Total Deposits
Current: $911.5M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Loans
Current: $837.0M · Tier avg: $975.5M
72
72th pctile
Efficiency Ratio
Current: 55.35% · Tier avg: 62.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%