BlastPoint's Banking Scorecard
FMB Bank
Designations: ✓ Community bank
Wright City, MO
FMB Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 50.90% above tier average
- + Delinquency Rate 1.36% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Net Interest Margin 0.36% below tier average
- - Efficiency Ratio 4.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$53.2M
+6.0% YoY
+30.0% QoQ
|
-$9.0M |
$62.2M
-0.6% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
35% |
| Total Loans ? |
$13.5M
-4.3% YoY
+2.9% QoQ
|
-$20.7M |
$34.2M
-1.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$49.5M
+5.1% YoY
+33.0% QoQ
|
-$2.2M |
$51.7M
-0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
0.24%
+174.5% YoY
-53.8% QoQ
|
-0.60% |
0.84%
-2.3% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.50%
+7.6% YoY
-2.8% QoQ
|
-0.36% |
3.86%
+2.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
92.68%
-5.2% YoY
-1.2% QoQ
|
+4.33% |
88.34%
+0.3% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
18% |
| Delinquency Rate ? |
0.01%
-82.6% YoY
-35.2% QoQ
|
-1.36% |
1.37%
+33.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
27.28%
-9.0% YoY
-22.6% QoQ
|
-36.94% |
64.22%
-0.7% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 7.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
74.62%
+186.2% YoY
+123.1% QoQ
|
+50.90% |
23.71%
+0.3% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 1.1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-84.3% YoY
-48.7% QoQ
|
-0.78% |
0.79%
+28.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
15.41%
+14.2% YoY
+3.4% QoQ
|
-11.27% |
26.68%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.14%
-15.1% YoY
-83.6% QoQ
|
-0.53% |
0.67%
+1.9% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
81% |
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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.