BlastPoint's Banking Scorecard
Farm Bureau Bank FSB
Community
Specialty: Other
NV
FDIC cert 35157
Reno, NV
1484
banks in Community tier nationally
5 in NV
View Community leaderboard (NV) →
Farm Bureau Bank FSB faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 23% in Community
- - Efficiency Drag: Bottom 57% in Community
- - Return on Assets 1.05% below tier
- - Non-Interest-Bearing Deposit Share 17.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-8.1% YoY
-0.4% QoQ
|
-$299.6M |
$1.4B
+2.0% YoY
|
$3.2B
+14.2% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$768.8M
-3.8% YoY
+0.7% QoQ
|
-$206.7M |
$975.5M
+2.4% YoY
|
$1.5B
+26.6% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$939.4M
-9.6% YoY
-0.3% QoQ
|
-$225.2M |
$1.2B
+1.7% YoY
|
$2.0B
+4.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.11%
+159.1% YoY
-48.4% QoQ
|
-1.05% |
1.16%
+17.2% YoY
|
1.39%
+1.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.94%
+1.3% YoY
+0.7% QoQ
|
+0.28% |
3.66%
+9.1% YoY
|
3.77%
+2.0% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
88.47%
+7.5% YoY
+1.5% QoQ
|
+25.84% |
62.63%
-5.3% YoY
|
57.14%
-2.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.70%
+33.5% YoY
+20.4% QoQ
|
+0.07% |
0.63%
+18.3% YoY
|
1.13%
+57.4% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
81.84%
+6.4% YoY
+1.1% QoQ
|
-1.22% |
83.06%
+0.3% YoY
|
79.84%
-0.5% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
3.53%
+19.2% YoY
+13.8% QoQ
|
-17.51% |
21.05%
-0.9% YoY
|
23.03%
-6.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.49%
+39.7% YoY
+21.7% QoQ
|
0 |
0.50%
+20.3% YoY
|
0.59%
-6.4% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
12.48%
+2.4% YoY
-0.2% QoQ
|
+2.23% |
10.24%
-0.6% YoY
|
6.71%
-20.9% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.51%
-6.0% YoY
+27.8% QoQ
|
-0.23% |
0.74%
-1.3% YoY
|
0.78%
-34.8% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Deposit Outflow
decline
#58 of 248 · Bottom 23% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#87 of 152 · Bottom 57% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
88.47%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 1.16%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Community
Why this stands out
Current:
3.53%
(Tier avg: 21.05%, 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
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%
56
56th pctile
Total Deposits
Current: $939.4M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
55
55th pctile
Total Loans
Current: $768.8M · Tier avg: $975.5M
52
52th pctile
Tier 1 Capital Ratio
Current: 12.48% · Tier avg: 10.24%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.84% · Tier avg: 83.06%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
4
4th pctile
Efficiency Ratio
Current: 88.47% · Tier avg: 62.63%
4
4th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.16%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.53% · Tier avg: 21.05%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 3.53% · Tier avg: 21.05%
4
4th pctile
Return on Assets
Current: 0.11% · Tier avg: 1.16%
4
4th pctile
Efficiency Ratio
Current: 88.47% · Tier avg: 62.63%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
42
42th pctile
Loan-to-Deposit Ratio
Current: 81.84% · Tier avg: 83.06%
49
49th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.74%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.48% · Tier avg: 10.24%
55
55th pctile
Total Loans
Current: $768.8M · Tier avg: $975.5M
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $939.4M · Tier avg: $1.2B
67
67th pctile
Net Interest Margin
Current: 3.94% · Tier avg: 3.66%