BlastPoint's Banking Scorecard
Farmers Bank
Micro
Specialty: Commercial
TN
FDIC cert 8661
Designations: ✓ Community bank
Parsons, TN
2498
banks in Micro tier nationally
57 in TN
View Micro leaderboard (TN) →
Farmers Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.61% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.4M
+14.9% YoY
+7.8% QoQ
|
-$136.1M |
$217.5M
+2.3% YoY
|
$2.2B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$66.3M
+37.1% YoY
+4.8% QoQ
|
-$72.9M |
$139.2M
+2.8% YoY
|
$1.6B
+8.0% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$72.5M
+13.7% YoY
+8.7% QoQ
|
-$111.2M |
$183.7M
+1.8% YoY
|
$1.9B
+7.5% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.58%
-31.6% YoY
+2.1% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.12%
+10.3% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
5.46%
+5.4% YoY
+2.6% QoQ
|
+1.61% |
3.85%
+6.6% YoY
|
3.88%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
75.88%
-1.9% YoY
-0.9% QoQ
|
+8.15% |
67.73%
-4.8% YoY
|
65.37%
-3.6% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.90%
+436.7% YoY
|
+0.26% |
0.64%
+24.4% YoY
|
0.47%
-3.0% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
91.41%
+20.6% YoY
-3.6% QoQ
|
+16.89% |
74.53%
+0.5% YoY
|
80.28%
+1.8% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
14.94%
-19.6% YoY
-7.5% QoQ
|
-7.45% |
22.39%
-1.3% YoY
|
18.56%
-3.5% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.73%
+540.5% YoY
|
+0.28% |
0.45%
+25.1% YoY
|
0.45%
+14.3% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.10%
+3.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-68.6% YoY
+30.7% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.72%
-2.8% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.46%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(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
95
95th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
27
27th pctile
Efficiency Ratio
Current: 75.88% · Tier avg: 67.73%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.94% · Tier avg: 22.39%
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.41% · Tier avg: 74.53%
18
18th pctile
Total Deposits
Current: $72.5M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $81.4M · Tier avg: $217.5M
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
16
16th pctile
Total Assets
Current: $81.4M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $72.5M · Tier avg: $183.7M
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.41% · Tier avg: 74.53%
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.94% · Tier avg: 22.39%
27
27th pctile
Efficiency Ratio
Current: 75.88% · Tier avg: 67.73%
27
27th pctile
Total Loans
Current: $66.3M · Tier avg: $139.2M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
95
95th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.85%