BlastPoint's Banking Scorecard

Farmers and Merchants Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 10492

Iowa City, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Farmers and Merchants Savings Bank has 3 strengths but faces 3 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

+ Credit Quality Leader: Top 28.6% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 1.16% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 34.0% in tier
- ROA 0.34% below tier average
- Net Interest Margin 0.54% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$123.9M +0.3% YoY +0.7% QoQ	-$262.1M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 7.1% in tier
Total Loans ?	$79.4M +0.7% YoY +1.6% QoQ	-$176.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 11.0% in tier
Total Deposits ?	$104.4M +1.1% YoY +2.6% QoQ	-$223.6M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 7.0% in tier
Return on Assets ?	0.93% +12.7% YoY -0.1% QoQ	-0.34%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.39% +4.7% YoY +1.0% QoQ	-0.54%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	64.13% -2.8% YoY +0.9% QoQ	-1.16%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	47%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	76.06% -0.4% YoY -1.0% QoQ	-0.58%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	55%
Non-Interest-Bearing Deposit Share ?	23.89% -0.3% YoY +7.8% QoQ	+1.87%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	13.38% +1.8% YoY -1.7% QoQ	-2.45%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.03% +10.0% YoY -80.2% QoQ	-0.25%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 10.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#191 of 664 • Top 28.6% in tier

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

Why this signature

Delinquency Rate: 0.00%

(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 (1)

Flatlined Growth

risk

#175 of 512 • Bottom 34.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.93%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2479

Total Deposits

size

Value: $104.42M

Peer Median: $327.97M

#2479 of 2664 Bottom 7.0% in $100M-$1B

2476

Total Assets

size

Value: $123.94M

Peer Median: $386.08M

#2476 of 2664 Bottom 7.1% in $100M-$1B

2382

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2382 of 2664 Bottom 10.6% in $100M-$1B

2373

Total Loans

size

Value: $79.41M

Peer Median: $255.72M

#2373 of 2664 Bottom 11.0% in $100M-$1B