BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Alpha
Designations: ✓ Community bank
Alpha, MN
Farmers and Merchants State Bank of Alpha has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.02% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Net Interest Margin 0.16% below tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$48.3M
+7.9% YoY
+1.3% QoQ
|
-$13.9M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$30.9M
+10.1% YoY
+1.1% QoQ
|
-$3.4M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$42.2M
+8.6% YoY
+1.5% QoQ
|
-$9.6M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.53%
-24.3% YoY
+19.3% QoQ
|
-0.30% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
3.70%
+1.9% YoY
+1.1% QoQ
|
-0.16% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
79.32%
+7.1% YoY
-2.0% QoQ
|
-9.02% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? | 2.18% | +0.80% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
73.20%
+1.4% YoY
-0.4% QoQ
|
+8.99% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
16.62%
-9.1% YoY
-0.8% QoQ
|
-7.09% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
29% |
| Nonperforming Asset Ratio ? |
1.39%
+163.8% YoY
|
+0.60% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.71%
-7.0% YoY
-32.1% QoQ
|
-15.97% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 10.7% in tier |
| Non-Interest Income / Assets ? |
0.03%
-35.2% YoY
-37.2% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (0)
Metric Rankings
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