BlastPoint's Banking Scorecard
Farmers Bank of Lohman, Missouri
Micro
Specialty: Other
MO
FDIC cert 8268
Designations: ✓ Community bank
Jefferson City, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Farmers Bank of Lohman, Missouri has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.03% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.6M
+6.0% YoY
-0.5% QoQ
|
-$136.9M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$24.1M
+6.5% YoY
+1.8% QoQ
|
-$115.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$67.8M
+3.3% YoY
-0.9% QoQ
|
-$115.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.27%
+64.9% YoY
-4.6% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
2.85%
+8.3% YoY
+2.0% QoQ
|
-1.00% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
49.70%
-22.4% YoY
+3.2% QoQ
|
-18.03% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.02%
-29.6% YoY
-15.8% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
35.64%
+3.1% YoY
+2.8% QoQ
|
-38.88% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.90%
-8.5% YoY
-7.1% QoQ
|
-1.50% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.01%
-96.8% YoY
-13.9% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.45%
+225.7% YoY
+7.7% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.70%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
35.64%
(Tier avg: 74.53%, National avg: 78.04%)
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
90
90th pctile
Efficiency Ratio
Current: 49.70% · Tier avg: 67.73%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
64
64th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
62
62th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.90% · Tier avg: 22.39%
17
17th pctile
Total Deposits
Current: $67.8M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.6M · Tier avg: $217.5M
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
8
8th pctile
Total Loans
Current: $24.1M · Tier avg: $139.2M
4
4th pctile
Loan-to-Deposit Ratio
Current: 35.64% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 35.64% · Tier avg: 74.53%
8
8th pctile
Total Loans
Current: $24.1M · Tier avg: $139.2M
12
12th pctile
Net Interest Margin
Current: 2.85% · Tier avg: 3.85%
16
16th pctile
Total Assets
Current: $80.6M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $67.8M · Tier avg: $183.7M
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.90% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
64
64th pctile
Return on Assets
Current: 1.27% · Tier avg: 1.08%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
90
90th pctile
Efficiency Ratio
Current: 49.70% · Tier avg: 67.73%