BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Pierz
Pierz, MN
3 branches across MN
Farmers and Merchants State Bank of Pierz has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.87% above tier average
- + Efficiency Ratio 5.14% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 19.7% in tier
- - Delinquency Rate 0.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$331.0M
+3.2% YoY
-3.3% QoQ
|
-$55.1M |
$386.1M
+0.5% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
51% |
| Total Loans ? |
$212.1M
-2.7% YoY
+0.6% QoQ
|
-$43.6M |
$255.7M
+1.1% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$307.7M
+3.3% YoY
-2.1% QoQ
|
-$20.3M |
$328.0M
+0.1% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
56% |
| Return on Assets ? |
1.38%
+159.5% YoY
-0.1% QoQ
|
+0.11% |
1.27%
+12.9% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
4.80%
+12.4% YoY
+4.8% QoQ
|
+0.87% |
3.93%
+6.0% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 11.0% in tier |
| Efficiency Ratio ? |
60.15%
-2.0% YoY
+4.7% QoQ
|
-5.14% |
65.29%
-4.5% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
1.25%
+628.3% YoY
-11.9% QoQ
|
+0.36% |
0.89%
+18.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
68.93%
-5.8% YoY
+2.8% QoQ
|
-7.70% |
76.64%
+0.8% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
28.85%
-0.3% YoY
-0.8% QoQ
|
+6.83% |
22.02%
-1.0% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.80%
+586.3% YoY
-8.2% QoQ
|
+0.16% |
0.64%
+19.7% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
8.97%
-8.6% YoY
-9.6% QoQ
|
-6.86% |
15.83%
+1.5% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
-2.4% YoY
-76.3% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.