BlastPoint's Banking Scorecard
Farmers Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 18394
Designations: ✓ Community bank
Marshalltown, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.39% above 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 ? |
$139.2M
-2.1% YoY
-3.8% QoQ
|
-$78.3M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$93.7M
+1.4% YoY
-2.3% QoQ
|
-$45.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$115.9M
-0.7% YoY
-4.9% QoQ
|
-$67.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
0.93%
+8.6% YoY
-20.3% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.75%
+12.0% YoY
+2.0% QoQ
|
-0.11% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
47% |
| Efficiency Ratio ? |
73.39%
+0.3% YoY
+12.0% QoQ
|
+5.66% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.64%
-10.2% YoY
-0.2% QoQ
|
0 |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
80.85%
+2.1% YoY
+2.8% QoQ
|
+6.33% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
26.34%
+8.9% YoY
-0.3% QoQ
|
+3.94% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.43%
-7.0% YoY
+1.4% QoQ
|
-0.02% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
41% |
| 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 ? |
0.95%
+3.1% YoY
+43.2% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
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
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.34% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
41
41th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
41
41th pctile
Total Loans
Current: $93.7M · Tier avg: $139.2M
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.85% · Tier avg: 74.53%
39
39th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
35
35th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $115.9M · Tier avg: $183.7M
32
32th pctile
Efficiency Ratio
Current: 73.39% · Tier avg: 67.73%
Top Weaknesses
32
32th pctile
Efficiency Ratio
Current: 73.39% · Tier avg: 67.73%
34
34th pctile
Total Deposits
Current: $115.9M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $139.2M · Tier avg: $217.5M
39
39th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.64%
41
41th pctile
Loan-to-Deposit Ratio
Current: 80.85% · Tier avg: 74.53%
41
41th pctile
Total Loans
Current: $93.7M · Tier avg: $139.2M
41
41th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
41
41th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
47
47th pctile
Net Interest Margin
Current: 3.75% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.34% · Tier avg: 22.39%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%