BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
GA
FDIC cert 879
Designations: ✓ Community bank
Lincolnton, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Farmers State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.81% above tier
- + Net Interest Margin 1.72% above tier
- + Non-Interest-Bearing Deposit Share 25.86% above tier
- + Tier 1 Capital Ratio 23.01% 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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.8M
-0.5% YoY
+1.7% QoQ
|
-$33.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$84.8M
+5.9% YoY
+2.0% QoQ
|
-$54.3M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$159.1M
-2.7% YoY
+2.6% QoQ
|
-$24.6M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
2.90%
+20.1% YoY
+1.1% QoQ
|
+1.81% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.57%
-3.1% YoY
+0.7% QoQ
|
+1.72% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
50.86%
-15.8% YoY
-0.1% QoQ
|
-16.86% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.26%
+77.7% YoY
+16.4% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
53.34%
+8.8% YoY
-0.6% QoQ
|
-21.19% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
48.26%
-18.1% YoY
+3.1% QoQ
|
+25.86% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.12%
+89.0% YoY
+16.8% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
31.86%
+0.1% YoY
-5.1% QoQ
|
+23.01% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.66%
-7.8% YoY
+34.4% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.90%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.57%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
48.26%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
31.86%
(Tier avg: 8.85%, National avg: 9.75%)
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
98
98th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.08%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.26% · Tier avg: 22.39%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.86% · Tier avg: 8.85%
96
96th pctile
Net Interest Margin
Current: 5.57% · Tier avg: 3.85%
89
89th pctile
Efficiency Ratio
Current: 50.86% · Tier avg: 67.73%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
48
48th pctile
Total Deposits
Current: $159.1M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $183.8M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $84.8M · Tier avg: $139.2M
16
16th pctile
Loan-to-Deposit Ratio
Current: 53.34% · Tier avg: 74.53%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 53.34% · Tier avg: 74.53%
36
36th pctile
Total Loans
Current: $84.8M · Tier avg: $139.2M
47
47th pctile
Total Assets
Current: $183.8M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $159.1M · Tier avg: $183.7M
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
89
89th pctile
Efficiency Ratio
Current: 50.86% · Tier avg: 67.73%
96
96th pctile
Net Interest Margin
Current: 5.57% · Tier avg: 3.85%
97
97th pctile
Tier 1 Capital Ratio
Current: 31.86% · Tier avg: 8.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.26% · Tier avg: 22.39%
98
98th pctile
Return on Assets
Current: 2.90% · Tier avg: 1.08%