BlastPoint's Banking Scorecard
First Farmers & Merchants Bank
Cannon Falls, MN
7 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 +3.8% year over year ($436.8M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.36%.
- Efficiency ratio 48.87% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.27% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Farmers & Merchants Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 23.4% in tier
- + Net Interest Margin 0.16% above tier average
- + Efficiency Ratio 15.61% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$486.4M
+4.8% YoY
+2.7% QoQ
|
+$99.9M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$306.9M
+5.0% YoY
+4.3% QoQ
|
+$48.6M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$436.8M
+3.8% YoY
+2.5% QoQ
|
+$110.1M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.36%
+40.8% YoY
+15.7% QoQ
|
+0.04% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.14%
+8.8% YoY
+1.8% QoQ
|
+0.16% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
48.87%
-7.2% YoY
+1.3% QoQ
|
-15.61% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 14.7% in tier |
| Delinquency Rate ? |
0.01%
-4.8% YoY
-4.2% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 13.7% in tier |
| Loan-to-Deposit Ratio ? |
70.27%
+1.2% YoY
+1.8% QoQ
|
-7.68% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
17.80%
+10.0% YoY
+8.1% QoQ
|
-4.24% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.00%
-4.6% YoY
-2.7% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 12.4% in tier |
| Tier 1 Capital Ratio ? |
14.04%
+7.2% YoY
+4.7% QoQ
|
-1.87% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.17%
-0.1% YoY
+97.2% 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
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 |
17.8%
+1.6pp YoY +1.3pp QoQ |
-4.4pp | 22.1% | 21.9% | 22.2% | 35% |
| 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 |
12.7%
-2.6pp YoY +1.2pp QoQ |
+1.2pp | 11.6% | 14.6% | 12.5% | 67% |
| CRE |
31.0%
+1.3pp YoY -0.9pp QoQ |
-8.6pp | 39.5% | 36.5% | 41.4% | 36% |
| 1-4 Family |
21.8%
+2.7pp YoY +0.5pp QoQ |
-10.9pp | 32.6% | 29.4% | 31.3% | 34% |
| Consumer |
1.5%
-0.2pp YoY -0.1pp QoQ |
-2.6pp | 4.1% | 4.5% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
+0.9pp YoY +0.6pp QoQ |
-4.8pp | 18.8% | 16.5% | 19.7% | 40% |
| Leverage Ratio |
10.1%
+0.6pp YoY +0.7pp QoQ |
-2.1pp | 12.2% | 11.0% | 12.6% | 34% |
| Total Capital Ratio |
14.9%
+1.0pp YoY +0.6pp QoQ |
-5.0pp | 19.9% | 17.6% | 20.8% | 37% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
54
+3 (+5.9%) YoY +4 (+8.0%) QoQ |
-5 | 58 | 55 | 482 | 57% |
| Assets per Employee ($) |
$9.0M
-1.0% YoY -4.9% QoQ |
+$1.5M | $7.5M | $8.6M | $8.8M | 79% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 4 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 2% |
| Allowance Coverage |
126.00x
+8.0% YoY +0.5% QoQ |
+101.85x | 24.15x | 20.41x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.7%
+3.3pp YoY +1.7pp QoQ |
+2.5pp | 12.2% | 13.1% | 11.6% | 66% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.7% | 1.7% | 16% |
| Net Income ($, YTD) |
$3.3M
+48.8% YoY — QoQ |
+$732K | $2.6M | $4.5M | $40.4M | 73% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.