BlastPoint's Banking Scorecard
Farmers Savings Bank
Micro
Specialty: Commercial
IA
FDIC cert 18284
Designations: ✓ Community bank
Fostoria, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers 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 24.68% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$213.4M
+7.6% YoY
+3.6% QoQ
|
-$4.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$165.6M
+10.0% YoY
+4.9% QoQ
|
+$26.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$166.9M
-1.3% YoY
+4.8% QoQ
|
-$16.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.74%
+104.5% YoY
+11.3% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.03%
+33.2% YoY
+3.3% QoQ
|
-0.83% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
62.76%
-20.9% YoY
-2.2% QoQ
|
-4.96% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.44%
+320.9% YoY
-45.7% QoQ
|
+0.80% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
99.21%
+11.5% YoY
+0.1% QoQ
|
+24.68% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.65%
+3.9% YoY
+9.0% QoQ
|
-6.74% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.12%
+330.4% YoY
-45.0% QoQ
|
+0.66% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
17% |
| 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 ? |
0.13%
-4.3% YoY
+35.4% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
99.21%
(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
65
65th pctile
Total Loans
Current: $165.6M · Tier avg: $139.2M
59
59th pctile
Efficiency Ratio
Current: 62.76% · Tier avg: 67.73%
55
55th pctile
Total Assets
Current: $213.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.65% · Tier avg: 22.39%
20
20th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.64%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.21% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.21% · Tier avg: 74.53%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.45%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
20
20th pctile
Delinquency Rate
Current: 1.44% · Tier avg: 0.64%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.65% · Tier avg: 22.39%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
50
50th pctile
Total Deposits
Current: $166.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Assets
Current: $213.4M · Tier avg: $217.5M
59
59th pctile
Efficiency Ratio
Current: 62.76% · Tier avg: 67.73%
65
65th pctile
Total Loans
Current: $165.6M · Tier avg: $139.2M