BlastPoint

BlastPoint's Banking Scorecard

First Farmers & Merchants Bank

$100M-$1B Specialty: Agricultural MN FDIC cert 10168

Cannon Falls, MN

7 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

First Farmers & Merchants Bank has 3 strengths but faces 1 concern

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

  • + Credit Quality Leader: Top 25.2% in tier
  • + Net Interest Margin 0.14% above tier average
  • + Efficiency Ratio 17.03% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.09% below tier average
Get updates when First Farmers & Merchants Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MN) National Avg Tier Percentile
Total Assets ? $473.5M
+4.9% YoY -3.3% QoQ
+$87.4M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
69%
Total Loans ? $294.1M
+4.6% YoY +1.1% QoQ
+$38.4M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
67%
Total Deposits ? $426.0M
+3.9% YoY -3.6% QoQ
+$98.0M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
72%
Return on Assets ? 1.18%
+34.2% YoY +13.8% QoQ
-0.09% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
48%
Net Interest Margin ? 4.07%
+11.3% YoY +4.0% QoQ
+0.14% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
61%
Efficiency Ratio ? 48.26%
-11.0% YoY -5.9% QoQ
-17.03% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
Top 12.8% in tier
Delinquency Rate ? 0.01%
-4.4% YoY -1.1% QoQ
-0.88% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
Top 13.5% in tier
Loan-to-Deposit Ratio ? 69.05%
+0.6% YoY +4.9% QoQ
-7.59% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
68%
Non-Interest-Bearing Deposit Share ? 16.47%
+5.4% YoY +4.2% QoQ
-5.55% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
29%
Nonperforming Asset Ratio ? 0.01%
-4.6% YoY +3.4% QoQ
-0.63% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
Top 12.5% in tier
Tier 1 Capital Ratio ? 13.41%
+0.6% YoY -1.4% QoQ
-2.42% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.09%
-4.2% YoY -75.0% QoQ
-0.19% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
45%

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 (1)

Credit Quality Leader

growth
#168 of 664 • Top 25.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.01%
(Tier: 0.89%, National: 0.95%)
better than tier avg
664 of 664 Community banks match · 922 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

334
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.64%
#334 of 2664 Top 12.5% in $100M-$1B
342
Efficiency Ratio
profitability
Value: 48.26%
Peer Median: 65.29%
#342 of 2664 Top 12.8% in $100M-$1B
360
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.89%
#360 of 2654 Top 13.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026