BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Commercial
GA
FDIC cert 19720
Designations: ✓ Community bank
Dublin, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Farmers State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.02% above tier
- + Net Interest Margin 1.45% 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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$152.7M
+1.7% YoY
-2.2% QoQ
|
-$64.8M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$117.1M
-1.4% YoY
-0.2% QoQ
|
-$22.1M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$131.3M
-0.1% YoY
-3.0% QoQ
|
-$52.3M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
2.10%
+14.3% YoY
+3.0% QoQ
|
+1.02% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
5.31%
+8.0% YoY
+1.0% QoQ
|
+1.45% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
60.27%
-3.3% YoY
-0.9% QoQ
|
-7.46% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.30%
-83.8% YoY
+79.6% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
89.17%
-1.3% YoY
+2.9% QoQ
|
+14.64% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
25.72%
+4.7% YoY
-4.1% QoQ
|
+3.32% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.23%
-84.2% YoY
-68.7% QoQ
|
-0.23% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
17.59%
+5.3% YoY
-0.8% QoQ
|
+8.74% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.35%
-0.7% YoY
+43.6% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.31%
(Tier avg: 3.85%, National avg: 3.75%)
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
94
94th pctile
Net Interest Margin
Current: 5.31% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.59% · Tier avg: 8.85%
67
67th pctile
Efficiency Ratio
Current: 60.27% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 22.39%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
49
49th pctile
Total Loans
Current: $117.1M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $131.3M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $152.7M · Tier avg: $217.5M
25
25th pctile
Loan-to-Deposit Ratio
Current: 89.17% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 89.17% · Tier avg: 74.53%
39
39th pctile
Total Assets
Current: $152.7M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $131.3M · Tier avg: $183.7M
49
49th pctile
Total Loans
Current: $117.1M · Tier avg: $139.2M
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.72% · Tier avg: 22.39%
67
67th pctile
Efficiency Ratio
Current: 60.27% · Tier avg: 67.73%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.59% · Tier avg: 8.85%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.31% · Tier avg: 3.85%