BlastPoint's Banking Scorecard
Farmers & Merchants State Bank
Waterloo, WI
3 branches across WI
Farmers & Merchants State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41.9% in tier
- - Loan-to-Deposit Ratio 35.15% above tier average
- - ROA 0.46% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 7.45% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.6M
+2.2% YoY
+2.0% QoQ
|
-$140.5M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$205.4M
+4.1% YoY
+0.2% QoQ
|
-$50.3M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
50% |
| Total Deposits ? |
$183.7M
+2.7% YoY
+2.3% QoQ
|
-$144.2M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
0.81%
+45.8% YoY
-2.9% QoQ
|
-0.46% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
27% |
| Net Interest Margin ? |
3.39%
+16.9% YoY
+7.9% QoQ
|
-0.54% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
72.74%
-8.2% YoY
+3.0% QoQ
|
+7.45% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.00%
-97.1% YoY
-0.2% QoQ
|
-0.89% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
Top 11.8% in tier |
| Loan-to-Deposit Ratio ? |
111.79%
+1.4% YoY
-2.0% QoQ
|
+35.15% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 2.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.89%
-2.7% YoY
-12.2% QoQ
|
-3.13% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.00%
-97.0% YoY
-1.9% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
Top 11.1% in tier |
| Tier 1 Capital Ratio ? |
11.01%
+2.5% YoY
+1.5% QoQ
|
-4.82% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.13%
-1.9% YoY
-77.1% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
67% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.