BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8760
Designations: ✓ Community bank
Algona, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers State Bank faces 1 concern 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 13.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.0M
+4.5% YoY
+8.0% QoQ
|
-$66.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$110.6M
+6.6% YoY
+7.4% QoQ
|
-$28.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$131.4M
+8.2% YoY
+10.5% QoQ
|
-$52.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
1.37%
+17.6% YoY
-1.3% QoQ
|
+0.28% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.84%
+14.7% YoY
+0.0% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
60.74%
-7.1% YoY
+1.5% QoQ
|
-6.98% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
0.71%
+678.1% YoY
+21.8% QoQ
|
+0.07% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
84.15%
-1.4% YoY
-2.8% QoQ
|
+9.63% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
8.78%
-15.0% YoY
-2.2% QoQ
|
-13.62% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+694.1% YoY
+11.4% QoQ
|
+0.06% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.39%
-4.8% YoY
+17.6% QoQ
|
-0.17% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.78%
(Tier avg: 22.39%, 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
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.15% · Tier avg: 74.53%
65
65th pctile
Efficiency Ratio
Current: 60.74% · Tier avg: 67.73%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $110.6M · Tier avg: $139.2M
39
39th pctile
Total Deposits
Current: $131.4M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $151.0M · Tier avg: $217.5M
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.78% · Tier avg: 22.39%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.78% · Tier avg: 22.39%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
38
38th pctile
Total Assets
Current: $151.0M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $131.4M · Tier avg: $183.7M
47
47th pctile
Total Loans
Current: $110.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
54
54th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.56%
65
65th pctile
Efficiency Ratio
Current: 60.74% · Tier avg: 67.73%
66
66th pctile
Loan-to-Deposit Ratio
Current: 84.15% · Tier avg: 74.53%
68
68th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.08%