BlastPoint's Banking Scorecard
Farmers Trust & Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14392
Designations: ✓ Community bank
Williamsburg, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers Trust & Savings Bank shows strong momentum with 2 strengths and 6.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.29% above tier
- + Efficiency Ratio 21.99% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.6M
+6.8% YoY
+5.3% QoQ
|
-$17.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$144.2M
+11.0% YoY
+2.6% QoQ
|
+$5.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$153.9M
+6.1% YoY
+6.1% QoQ
|
-$29.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.37%
-0.2% YoY
-7.3% QoQ
|
+1.29% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
4.41%
-0.9% YoY
-0.1% QoQ
|
+0.56% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
45.74%
-0.3% YoY
+9.9% QoQ
|
-21.99% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.16%
-41.0% YoY
-6.2% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
93.70%
+4.6% YoY
-3.3% QoQ
|
+19.18% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
19.32%
-16.0% YoY
-6.5% QoQ
|
-3.08% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.12%
-38.7% YoY
-8.6% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
66% |
| 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 ? |
0.49%
+10.3% YoY
+19.9% QoQ
|
-0.07% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.37%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.74%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
95
95th pctile
Return on Assets
Current: 2.37% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.74% · Tier avg: 67.73%
84
84th pctile
Loan-to-Deposit Ratio
Current: 93.70% · Tier avg: 74.53%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
58
58th pctile
Total Loans
Current: $144.2M · Tier avg: $139.2M
52
52th pctile
Total Assets
Current: $199.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Deposits
Current: $153.9M · Tier avg: $183.7M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.32% · Tier avg: 22.39%
Top Weaknesses
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.32% · Tier avg: 22.39%
46
46th pctile
Total Deposits
Current: $153.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Assets
Current: $199.6M · Tier avg: $217.5M
58
58th pctile
Total Loans
Current: $144.2M · Tier avg: $139.2M
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
68
68th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.56%
76
76th pctile
Net Interest Margin
Current: 4.41% · Tier avg: 3.85%
84
84th pctile
Loan-to-Deposit Ratio
Current: 93.70% · Tier avg: 74.53%
94
94th pctile
Efficiency Ratio
Current: 45.74% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.37% · Tier avg: 1.08%