BlastPoint's Banking Scorecard
FM Bank
Waseca, MN
6 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 +5.6% year over year ($636.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.42%.
- Efficiency ratio 52.39% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.29% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FM Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + ROA 0.10% above tier average
- + Efficiency Ratio 12.08% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 20.4% in tier
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$738.4M
+9.7% YoY
+5.1% QoQ
|
+$351.9M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 10.6% in tier |
| Total Loans ? |
$491.7M
+16.2% YoY
+2.2% QoQ
|
+$233.3M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 12.3% in tier |
| Total Deposits ? |
$636.1M
+5.6% YoY
+1.5% QoQ
|
+$309.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 10.3% in tier |
| Return on Assets ? |
1.42%
+23.7% YoY
-0.6% QoQ
|
+0.10% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.39%
+13.4% YoY
+1.6% QoQ
|
-0.59% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
52.39%
-11.1% YoY
+7.5% QoQ
|
-12.08% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
77.29%
+10.0% YoY
+0.6% QoQ
|
-0.66% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
14.89%
-57.6% YoY
-5.4% QoQ
|
-7.14% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.12%
-13.3% QoQ
|
-0.55% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.18%
+4.8% YoY
-0.8% QoQ
|
-4.73% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.07%
+1.5% YoY
+66.7% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 10.8% in tier |
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 |
14.9%
-20.2pp YoY -0.9pp QoQ |
-7.3pp | 22.1% | 21.9% | 22.2% | 24% |
| 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 |
7.2%
-1.5pp YoY -0.4pp QoQ |
-4.3pp | 11.6% | 14.6% | 12.5% | 34% |
| CRE |
18.8%
+1.8pp YoY 0.0pp QoQ |
-20.8pp | 39.5% | 36.5% | 41.4% | 16% |
| 1-4 Family |
12.9%
+2.8pp YoY +0.5pp QoQ |
-19.7pp | 32.6% | 29.4% | 31.3% | 16% |
| Consumer |
0.9%
0.0pp YoY +0.2pp QoQ |
-3.2pp | 4.1% | 4.5% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
+0.5pp YoY -0.1pp QoQ |
-7.6pp | 18.8% | 16.5% | 19.7% | 9% |
| Leverage Ratio |
7.7%
0.0pp YoY -0.6pp QoQ |
-4.5pp | 12.2% | 11.0% | 12.6% | 1% |
| Total Capital Ratio |
11.8%
+0.6pp YoY -0.1pp QoQ |
-8.2pp | 19.9% | 17.6% | 20.8% | 6% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
68
-3 (-4.2%) YoY -1 (-1.4%) QoQ |
+9 | 58 | 55 | 482 | 69% |
| Assets per Employee ($) |
$10.9M
+14.5% YoY +6.7% QoQ |
+$3.3M | $7.5M | $8.6M | $8.8M | 90% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 4 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.2% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.1%
+0.3pp YoY -0.2pp QoQ |
+5.9pp | 12.2% | 13.1% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 66% |
| Net Income ($, YTD) |
$5.1M
+33.5% YoY — QoQ |
+$2.5M | $2.6M | $4.5M | $40.4M | 88% |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.