BlastPoint's Banking Scorecard
Farmers Bank
Community
Specialty: Agricultural
ID
FDIC cert 2850
Buhl, ID
1484
banks in Community tier nationally
6 in ID
View Community leaderboard (ID) →
Farmers Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 11.92% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$667.6M
+7.4% YoY
+6.8% QoQ
|
-$723.9M |
$1.4B
+2.0% YoY
|
$1.2B
+9.6% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$395.5M
+11.0% YoY
-1.3% QoQ
|
-$580.0M |
$975.5M
+2.4% YoY
|
$704.6M
+11.9% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$559.3M
+6.1% YoY
+7.8% QoQ
|
-$605.3M |
$1.2B
+1.7% YoY
|
$1.0B
+11.0% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.49%
+73.4% YoY
+2.2% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.43%
+51.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.89%
+20.0% YoY
+1.7% QoQ
|
+0.23% |
3.66%
+9.1% YoY
|
4.08%
+4.0% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
52.93%
-14.8% YoY
-1.1% QoQ
|
-9.71% |
62.63%
-5.3% YoY
|
58.36%
-7.0% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.80%
+111.2% YoY
-13.2% QoQ
|
+0.17% |
0.63%
+18.3% YoY
|
0.81%
+590.7% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
70.71%
+4.6% YoY
-8.4% QoQ
|
-12.35% |
83.06%
+0.3% YoY
|
70.60%
-0.8% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
30.95%
+4.6% YoY
+6.8% QoQ
|
+9.91% |
21.05%
-0.9% YoY
|
29.44%
-0.7% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+118.1% YoY
-19.8% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.45%
+564.3% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
22.16%
+0.6% YoY
+3.9% QoQ
|
+11.92% |
10.24%
-0.6% YoY
|
11.99%
+4.7% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.49%
-5.7% YoY
+23.7% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.58%
-1.7% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 4%
in Community
Why this stands out
Current:
22.16%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#122 of 268 · Bottom 45% 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:
22.16%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
70.71%
(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
96
96th pctile
Tier 1 Capital Ratio
Current: 22.16% · Tier avg: 10.24%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 30.95% · Tier avg: 21.05%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.71% · Tier avg: 83.06%
78
78th pctile
Efficiency Ratio
Current: 52.93% · Tier avg: 62.63%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
46
46th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
24
24th pctile
Total Assets
Current: $667.6M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $559.3M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $395.5M · Tier avg: $975.5M
Top Weaknesses
14
14th pctile
Total Loans
Current: $395.5M · Tier avg: $975.5M
23
23th pctile
Total Deposits
Current: $559.3M · Tier avg: $1.2B
24
24th pctile
Total Assets
Current: $667.6M · Tier avg: $1.4B
32
32th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
46
46th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
65
65th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.66%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
78
78th pctile
Efficiency Ratio
Current: 52.93% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.71% · Tier avg: 83.06%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 30.95% · Tier avg: 21.05%
96
96th pctile
Tier 1 Capital Ratio
Current: 22.16% · Tier avg: 10.24%