BlastPoint's Banking Scorecard
Farmers State Bank
Micro
Specialty: Other
IA
FDIC cert 9295
Designations: ✓ Community bank
Lake View, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 33.16% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$35.9M
+2.6% YoY
+2.9% QoQ
|
-$181.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$12.7M
+8.2% YoY
+2.7% QoQ
|
-$126.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$30.8M
+2.7% YoY
+3.3% QoQ
|
-$152.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.77%
+4.6% YoY
-10.9% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.48%
+8.3% YoY
+1.5% QoQ
|
-0.37% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
70.90%
+2.6% YoY
+2.9% QoQ
|
+3.18% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
41.37%
+5.3% YoY
-0.6% QoQ
|
-33.16% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.24%
+7.7% YoY
+8.2% QoQ
|
-3.15% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.11%
-7.4% YoY
+42.0% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.37%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.37% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.24% · Tier avg: 22.39%
38
38th pctile
Efficiency Ratio
Current: 70.90% · Tier avg: 67.73%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
5
5th pctile
Total Deposits
Current: $30.8M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $35.9M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $12.7M · Tier avg: $139.2M
Top Weaknesses
4
4th pctile
Total Loans
Current: $12.7M · Tier avg: $139.2M
4
4th pctile
Total Assets
Current: $35.9M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $30.8M · Tier avg: $183.7M
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
38
38th pctile
Efficiency Ratio
Current: 70.90% · Tier avg: 67.73%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 19.24% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.37% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%