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Farmers and Merchants State Bank of Pierz

$100M-$1B Specialty: Agricultural MN FDIC cert 10165

Pierz, MN

3 branches across MN

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
  • Deposits +3.4% year over year ($308.5M on the books).
  • Delinquency rate 1.04%.
  • Return on assets 1.74%.
  • Efficiency ratio 58.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 70.74% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 151 in MN
View $100M-$1B leaderboard (MN) →

Farmers and Merchants State Bank of Pierz has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 37.7% in tier
  • + Deposit Franchise: Top 73.4% in tier
  • + Efficiency Ratio 6.25% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 28.1% in tier
  • - Delinquency Rate 0.12% above tier average
Get updates when Farmers and Merchants State Bank of Pierz releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $336.2M
+4.6% YoY +1.6% QoQ
-$50.3M $386.6M
+1.2% YoY
$524.5M
+5.8% YoY
$6.3B
+7.7% YoY
52%
Total Loans ? $218.2M
+10.4% YoY +2.9% QoQ
-$40.1M $258.3M
+1.7% YoY
$300.2M
+7.3% YoY
$3.2B
+9.4% YoY
52%
Total Deposits ? $308.5M
+3.4% YoY +0.3% QoQ
-$18.3M $326.7M
+0.7% YoY
$452.1M
+5.5% YoY
$4.9B
+7.3% YoY
57%
Return on Assets ? 1.74%
+35.9% YoY +25.6% QoQ
+0.41% 1.32%
+10.8% YoY
1.26%
+17.2% YoY
1.30%
+12.1% YoY
77%
Net Interest Margin ? 4.89%
+12.3% YoY +2.0% QoQ
+0.91% 3.99%
+5.0% YoY
4.00%
+6.8% YoY
3.95%
+4.9% YoY
Top 10.0% in tier
Efficiency Ratio ? 58.23%
-6.7% YoY -3.2% QoQ
-6.25% 64.48%
-3.2% YoY
63.00%
-3.5% YoY
70.05%
+2.5% YoY
62%
Delinquency Rate ? 1.04%
-12.8% YoY -16.5% QoQ
+0.12% 0.92%
+15.7% YoY
1.01%
+19.3% YoY
0.98%
+16.3% YoY
27%
Loan-to-Deposit Ratio ? 70.74%
+6.8% YoY +2.6% QoQ
-7.21% 77.95%
+1.0% YoY
78.29%
-0.6% YoY
79.03%
+2.3% YoY
68%
Non-Interest-Bearing Deposit Share ? 30.05%
+6.2% YoY +4.2% QoQ
+8.02% 22.03%
-0.6% YoY
21.79%
+0.9% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.68%
-7.9% YoY -15.5% QoQ
+0.01% 0.67%
+16.4% YoY
0.76%
+16.9% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 9.28%
-8.6% YoY +3.5% QoQ
-6.63% 15.91%
+1.4% YoY
15.35%
-0.4% YoY
17.09%
+0.8% YoY
Bottom 3.0% in tier
Non-Interest Income / Assets ? 0.17%
+0.3% YoY +114.0% QoQ
-0.39% 0.57%
+7.6% YoY
0.31%
+3.9% YoY
0.66%
+5.2% YoY
42%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Noninterest-Bearing 30.0%
+1.7pp YoY
+1.2pp QoQ
 +7.9pp 22.1% 21.9% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 8.3% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
C&I 11.9%
+0.2pp YoY
+0.3pp QoQ
 +0.3pp 11.6% 14.6% 12.5% 62%
CRE 14.7%
-1.8pp YoY
-0.8pp QoQ
 -24.8pp 39.5% 36.5% 41.4% 10%
1-4 Family 21.2%
-1.7pp YoY
-0.5pp QoQ
 -11.4pp 32.6% 29.4% 31.3% 33%
Consumer 3.0%
-0.1pp YoY
-0.2pp QoQ
 -1.1pp 4.1% 4.5% 5.0% 60%

Capital

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 9.3%
-0.9pp YoY
+0.3pp QoQ
 -2.9pp 12.2% 11.0% 12.6% 17%
Total Capital Ratio n/a n/a 19.9% 17.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Full-Time Employees 52
0 YoY
+3 (+6.1%) QoQ
 -7 58 55 482 56%
Assets per Employee ($) $6.5M
+4.6% YoY
-4.3% QoQ
 -$1.1M $7.5M $8.6M $8.8M 42%
Branch Count 3
0 YoY
0 QoQ
 -2 4 4 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.0%
-0.2pp YoY
-0.2pp QoQ
 +0.1pp 0.9% 1.0% 1.0% 72%
Allowance Coverage 1.29x
+12.5% YoY
+12.5% QoQ
 -22.87x 24.15x 20.41x 20.23x 35%
Net Charge-off Rate (YTD) 0.7%
-0.3pp QoQ
 +0.5pp 0.1% 0.2% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
ROE 24.3%
+4.0pp YoY
+5.1pp QoQ
 +12.1pp 12.2% 13.1% 11.6% 96%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
-0.1pp QoQ
 -0.4pp 1.7% 1.7% 1.7% 26%
Net Income ($, YTD) $2.9M
+41.1% YoY
— QoQ
 +$365K $2.6M $4.5M $40.4M 69%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth
#250 of 661 • Top 37.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.74%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Deposit Franchise

growth
#205 of 278 • Top 73.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.05%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.89%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk
#187 of 661 • Bottom 28.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.28%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

264
Net Interest Margin
profitability
Value: 4.89%
Peer Median: 3.99%
#264 of 2643 Top 10.0% in $100M-$1B
473
Non-Interest-Bearing Deposit Share
funding
Value: 30.05%
Peer Median: 22.03%
#473 of 2643 Top 17.9% in $100M-$1B
600
Return on Assets
profitability
Value: 1.74%
Peer Median: 1.32%
#600 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2564
Tier 1 Capital Ratio
capital
Value: 9.28%
Peer Median: 15.91%
#2564 of 2643 Bottom 3.0% in $100M-$1B
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