BlastPoint's Banking Scorecard
The Farmers Bank
Community
Specialty: Commercial
TN
FDIC cert 1696
Portland, TN
1484
banks in Community tier nationally
47 in TN
View Community leaderboard (TN) →
The Farmers Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.14% above tier
- + Tier 1 Capital Ratio 9.92% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$933.6M
+5.4% YoY
+4.0% QoQ
|
-$457.9M |
$1.4B
+2.0% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$605.3M
+7.6% YoY
+0.9% QoQ
|
-$370.2M |
$975.5M
+2.4% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$796.6M
+3.7% YoY
+4.7% QoQ
|
-$368.0M |
$1.2B
+1.7% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
1.66%
+7.9% YoY
-0.2% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.80%
+4.9% YoY
-0.2% QoQ
|
+1.14% |
3.66%
+9.1% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
55.60%
-1.9% YoY
+0.1% QoQ
|
-7.03% |
62.63%
-5.3% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.49%
-61.0% YoY
+599.7% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
75.98%
+3.8% YoY
-3.6% QoQ
|
-7.08% |
83.06%
+0.3% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
25.84%
-1.7% YoY
-7.3% QoQ
|
+4.80% |
21.05%
-0.9% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.32%
-60.2% YoY
+578.3% QoQ
|
-0.18% |
0.50%
+20.3% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
20.17%
+3.5% YoY
+0.2% QoQ
|
+9.92% |
10.24%
-0.6% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.80%
+2.6% YoY
+23.8% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 7%
in Community
Why this stands out
Current:
4.80%
(Tier avg: 3.66%, National avg: 3.75%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.17%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#118 of 268 · Bottom 44% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
20.17%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
75.98%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 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
94
94th pctile
Tier 1 Capital Ratio
Current: 20.17% · Tier avg: 10.24%
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.84% · Tier avg: 21.05%
71
71th pctile
Efficiency Ratio
Current: 55.60% · Tier avg: 62.63%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.98% · Tier avg: 83.06%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
46
46th pctile
Total Deposits
Current: $796.6M · Tier avg: $1.2B
45
45th pctile
Total Assets
Current: $933.6M · Tier avg: $1.4B
41
41th pctile
Total Loans
Current: $605.3M · Tier avg: $975.5M
Top Weaknesses
41
41th pctile
Total Loans
Current: $605.3M · Tier avg: $975.5M
45
45th pctile
Total Assets
Current: $933.6M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $796.6M · Tier avg: $1.2B
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
53
53th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.50%
70
70th pctile
Loan-to-Deposit Ratio
Current: 75.98% · Tier avg: 83.06%
71
71th pctile
Efficiency Ratio
Current: 55.60% · Tier avg: 62.63%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 25.84% · Tier avg: 21.05%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.80% · Tier avg: 3.66%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.17% · Tier avg: 10.24%