BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
OH
FDIC cert 8647
Designations: ✓ Community bank
West Salem, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Farmers State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.74% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.7M
+2.0% YoY
+3.6% QoQ
|
-$26.8M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$122.1M
+6.6% YoY
+0.4% QoQ
|
-$17.1M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$172.5M
+0.9% YoY
+3.7% QoQ
|
-$11.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.81%
+3.8% YoY
-11.3% QoQ
|
-0.28% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
4.34%
+9.7% YoY
+0.5% QoQ
|
+0.49% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
74.70%
-4.7% YoY
+0.4% QoQ
|
+6.98% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.10%
-33.5% YoY
|
-0.54% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
70.79%
+5.7% YoY
-3.2% QoQ
|
-3.74% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
37.13%
-9.7% YoY
+1.6% QoQ
|
+14.74% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-30.5% YoY
|
-0.39% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.96%
+1.2% YoY
-0.4% QoQ
|
+4.10% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.70%
-7.2% YoY
+29.7% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.13%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.13% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
74
74th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.96% · Tier avg: 8.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.79% · Tier avg: 74.53%
52
52th pctile
Total Deposits
Current: $172.5M · Tier avg: $183.7M
51
51th pctile
Total Loans
Current: $122.1M · Tier avg: $139.2M
49
49th pctile
Total Assets
Current: $190.7M · Tier avg: $217.5M
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.70% · Tier avg: 67.73%
Top Weaknesses
29
29th pctile
Efficiency Ratio
Current: 74.70% · Tier avg: 67.73%
34
34th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.08%
49
49th pctile
Total Assets
Current: $190.7M · Tier avg: $217.5M
51
51th pctile
Total Loans
Current: $122.1M · Tier avg: $139.2M
52
52th pctile
Total Deposits
Current: $172.5M · Tier avg: $183.7M
60
60th pctile
Loan-to-Deposit Ratio
Current: 70.79% · Tier avg: 74.53%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.96% · Tier avg: 8.85%
70
70th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
74
74th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.70% · Tier avg: 0.56%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.13% · Tier avg: 22.39%