BlastPoint's Banking Scorecard
Farmers and Miners Bank
Micro
Specialty: Commercial
VA
FDIC cert 22888
Designations: ✓ Community bank
Pennington Gap, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Farmers and Miners Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.62% 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.7M
+4.7% YoY
+0.4% QoQ
|
-$32.8M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$97.3M
+8.6% YoY
+2.7% QoQ
|
-$41.9M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$158.9M
+4.2% YoY
+0.6% QoQ
|
-$24.8M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.47%
+21.3% YoY
-7.0% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.97%
+0.6% YoY
+0.7% QoQ
|
+1.12% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
64.99%
-8.1% YoY
+4.0% QoQ
|
-2.74% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.19%
-38.0% YoY
+18.0% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
61.22%
+4.2% YoY
+2.1% QoQ
|
-13.31% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
38.02%
+2.9% YoY
-0.6% QoQ
|
+15.62% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-35.7% YoY
+20.7% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.60%
+4.1% YoY
+32.2% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
38.02%
(Tier avg: 22.39%, National avg: 21.79%)
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-Bearing Deposit Share
Current: 38.02% · Tier avg: 22.39%
90
90th pctile
Net Interest Margin
Current: 4.97% · Tier avg: 3.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.22% · Tier avg: 74.53%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
53
53th pctile
Efficiency Ratio
Current: 64.99% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Deposits
Current: $158.9M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $184.7M · Tier avg: $217.5M
42
42th pctile
Total Loans
Current: $97.3M · Tier avg: $139.2M
Top Weaknesses
42
42th pctile
Total Loans
Current: $97.3M · Tier avg: $139.2M
47
47th pctile
Total Assets
Current: $184.7M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $158.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Efficiency Ratio
Current: 64.99% · Tier avg: 67.73%
62
62th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
73
73th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.08%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.22% · Tier avg: 74.53%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.97% · Tier avg: 3.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 38.02% · Tier avg: 22.39%