BlastPoint's Banking Scorecard
Farmers Building and Savings Bank
Micro
Specialty: Other
PA
FDIC cert 34711
Designations: ✓ Community bank ✓ Mutual
Rochester, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Farmers Building and Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 37.97% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.32% below tier
- - Non-Interest-Bearing Deposit Share 22.30% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.2M
+3.5% YoY
+2.0% QoQ
|
-$97.3M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$57.9M
+6.8% YoY
+1.4% QoQ
|
-$81.3M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$94.1M
+4.1% YoY
+2.6% QoQ
|
-$89.6M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
0.32%
+65.4% YoY
+22.6% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
1.53%
+24.0% YoY
-2.1% QoQ
|
-2.32% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
85.14%
-15.9% YoY
+1.0% QoQ
|
+17.41% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 13% in tier |
| Delinquency Rate ? |
1.84%
-31.2% YoY
-17.1% QoQ
|
+1.20% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
61.51%
+2.7% YoY
-1.1% QoQ
|
-13.01% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
0.09%
-15.8% YoY
|
-22.30% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.89%
-28.9% YoY
-17.6% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
46.83%
-1.2% YoY
+0.6% QoQ
|
+37.97% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.15%
+17.0% YoY
+31.6% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
46.83%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.53%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Tier 1 Capital Ratio
Current: 46.83% · Tier avg: 8.85%
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.51% · Tier avg: 74.53%
29
29th pctile
Total Assets
Current: $120.2M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $94.1M · Tier avg: $183.7M
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
14
14th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.64%
13
13th pctile
Efficiency Ratio
Current: 85.14% · Tier avg: 67.73%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.09% · Tier avg: 22.39%
1
1th pctile
Net Interest Margin
Current: 1.53% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.53% · Tier avg: 3.85%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.09% · Tier avg: 22.39%
13
13th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.08%
13
13th pctile
Efficiency Ratio
Current: 85.14% · Tier avg: 67.73%
14
14th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.64%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.89% · Tier avg: 0.45%
24
24th pctile
Total Loans
Current: $57.9M · Tier avg: $139.2M
27
27th pctile
Total Deposits
Current: $94.1M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $120.2M · Tier avg: $217.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 61.51% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 46.83% · Tier avg: 8.85%