BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Alpha
Designations: ✓ Community bank
Alpha, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +2.8% year over year ($41.2M on the books).
- Delinquency rate 4.19%.
- Return on assets 0.62%.
- Efficiency ratio 75.58% vs a 119.40% peer average.
- Loan-to-deposit ratio 73.24% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants State Bank of Alpha has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 43.81% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.71% above tier average
- - Nonperforming Asset Ratio 1.83% above tier average
- - ROA 0.37% below tier average
- - Net Interest Margin 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.4M
+2.9% YoY
-1.9% QoQ
|
-$15.0M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$30.2M
+5.7% YoY
-2.3% QoQ
|
-$4.7M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
44% |
| Total Deposits ? |
$41.2M
+2.8% YoY
-2.3% QoQ
|
-$10.5M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
0.62%
+22.8% YoY
+16.9% QoQ
|
-0.37% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.61%
-0.0% YoY
-2.6% QoQ
|
-0.31% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
75.58%
-0.5% YoY
-4.7% QoQ
|
-43.81% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
4.19%
+92.5% QoQ
|
+2.71% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.5% in tier |
| Loan-to-Deposit Ratio ? |
73.24%
+2.8% YoY
+0.1% QoQ
|
-0.96% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
16.24%
-18.5% YoY
-2.3% QoQ
|
-7.25% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
2.67%
+383.7% YoY
+91.7% QoQ
|
+1.83% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.2% in tier |
| Tier 1 Capital Ratio ? |
11.15%
-2.7% YoY
+4.1% QoQ
|
-15.98% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 14.2% in tier |
| Non-Interest Income / Assets ? |
0.06%
-11.6% YoY
+118.4% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
24% |
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 |
16.2%
-3.7pp YoY -0.4pp QoQ |
-8.4pp | 24.6% | 21.9% | 22.2% | 23% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
12.9%
-1.2pp YoY +0.5pp QoQ |
-0.5pp | 13.4% | 14.6% | 12.5% | 61% |
| CRE |
20.5%
+1.4pp YoY -0.6pp QoQ |
-4.7pp | 25.2% | 36.5% | 41.4% | 53% |
| 1-4 Family |
10.2%
-1.3pp YoY 0.0pp QoQ |
-24.8pp | 35.0% | 29.4% | 31.3% | 21% |
| Consumer |
5.4%
-0.4pp YoY +0.1pp QoQ |
-2.2pp | 7.7% | 4.5% | 5.0% | 53% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
11.1%
-0.3pp YoY +0.4pp QoQ |
-6.5pp | 17.7% | 11.0% | 12.6% | 30% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 55 | 482 | 13% |
| Assets per Employee ($) |
$7.9M
+2.9% YoY -1.9% QoQ |
+$1.7M | $6.2M | $8.6M | $8.8M | 78% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
4.0%
+3.8pp YoY +2.0pp QoQ |
+3.1pp | 1.0% | 0.4% | 0.4% | 96% |
| Nonaccrual |
0.2%
0.0pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 18% |
| Allowance Coverage |
0.27x
-94.5% YoY -46.8% QoQ |
-6.15x | 6.41x | 20.41x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.7%
+1.2pp YoY +0.8pp QoQ |
-0.7pp | 6.4% | 13.1% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.7% | 1.7% | 84% |
| Net Income ($, YTD) |
$149,000
+31.9% YoY — QoQ |
-$169K | $317,817 | $4.5M | $40.4M | 29% |
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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
See how this bank ranks across all tracked metrics compared to peers.