BlastPoint's Banking Scorecard
The Farmers Bank
Micro
Specialty: Commercial
GA
FDIC cert 5709
Designations: ✓ Community bank
Greensboro, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
The Farmers Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.69% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.6M
+1.9% YoY
+18.6% QoQ
|
-$33.9M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$93.4M
+5.6% YoY
-5.0% QoQ
|
-$45.8M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$168.6M
+5.3% YoY
+20.0% QoQ
|
-$15.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
0.85%
+81.5% YoY
+0.8% QoQ
|
-0.23% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.14%
+41.9% YoY
-0.1% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
59.21%
-20.8% YoY
+2.8% QoQ
|
-8.51% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
69% |
| Delinquency Rate ? |
0.75%
+380.1% YoY
+6.3% QoQ
|
+0.11% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
55.41%
+0.3% YoY
-20.8% QoQ
|
-19.11% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
7.70%
-13.1% YoY
-17.2% QoQ
|
-14.69% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.38%
+397.7% YoY
-14.8% QoQ
|
-0.07% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
44% |
| Tier 1 Capital Ratio ? |
17.32%
-0.6% YoY
+6.6% QoQ
|
+8.47% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.11%
-54.8% YoY
+10.6% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.70%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.41% · Tier avg: 74.53%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.32% · Tier avg: 8.85%
69
69th pctile
Efficiency Ratio
Current: 59.21% · Tier avg: 67.73%
51
51th pctile
Total Deposits
Current: $168.6M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $183.6M · Tier avg: $217.5M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
40
40th pctile
Total Loans
Current: $93.4M · Tier avg: $139.2M
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.70% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.70% · Tier avg: 22.39%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
36
36th pctile
Delinquency Rate
Current: 0.75% · Tier avg: 0.64%
37
37th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
40
40th pctile
Total Loans
Current: $93.4M · Tier avg: $139.2M
44
44th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.45%
47
47th pctile
Total Assets
Current: $183.6M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $168.6M · Tier avg: $183.7M
69
69th pctile
Efficiency Ratio
Current: 59.21% · Tier avg: 67.73%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.32% · Tier avg: 8.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.41% · Tier avg: 74.53%