BlastPoint's Banking Scorecard
Farmers and Merchants State Bank, Bloomfield, Nebraska
Bloomfield, NE
6 branches across NE · SD
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 81 in NE.
- Deposits +9.8% year over year ($209.7M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.62%.
- Efficiency ratio 46.84% vs a 64.48% peer average.
- Loan-to-deposit ratio 62.08% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants State Bank, Bloomfield, Nebraska has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.29% above tier average
- + Efficiency Ratio 17.64% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$232.9M
+9.2% YoY
+3.4% QoQ
|
-$153.7M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
33% |
| Total Loans ? |
$130.2M
-4.0% YoY
-2.8% QoQ
|
-$128.2M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$209.7M
+9.8% YoY
+3.4% QoQ
|
-$117.1M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
36% |
| Return on Assets ? |
1.62%
-4.4% YoY
+11.3% QoQ
|
+0.29% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.71%
-5.4% YoY
+3.6% QoQ
|
-0.27% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
46.84%
+0.7% YoY
-6.9% QoQ
|
-17.64% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 11.5% in tier |
| Delinquency Rate ? |
0.07%
-91.0% YoY
+45.0% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
62.08%
-12.5% YoY
-6.0% QoQ
|
-15.88% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
16.19%
-1.4% YoY
-1.3% QoQ
|
-5.84% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.04%
-92.1% YoY
+36.2% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
17.01%
+8.6% YoY
+9.1% QoQ
|
+1.10% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.12%
-4.1% YoY
+63.4% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
26% |
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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.2%
-0.2pp YoY -0.2pp QoQ |
-6.0pp | 22.1% | 17.6% | 22.2% | 28% |
| Brokered Deposits |
6.7%
-1.3pp YoY -0.4pp QoQ |
-1.2pp | 7.9% | 8.9% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.7%
+0.3pp YoY +0.4pp QoQ |
-4.9pp | 11.6% | 12.3% | 12.5% | 31% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
0.0%
0.0pp YoY 0.0pp QoQ |
-32.6pp | 32.6% | 16.9% | 31.3% | 0% |
| Consumer |
2.8%
0.0pp YoY +0.1pp QoQ |
-1.3pp | 4.1% | 3.1% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.0%
+1.4pp YoY +1.4pp QoQ |
-1.8pp | 18.8% | 16.1% | 19.7% | 64% |
| Leverage Ratio |
9.5%
-0.2pp YoY -0.2pp QoQ |
-2.7pp | 12.2% | 12.1% | 12.6% | 20% |
| Total Capital Ratio |
18.3%
+1.4pp YoY +1.4pp QoQ |
-1.7pp | 19.9% | 17.3% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
-1 (-4.2%) YoY 0 QoQ |
-36 | 58 | 98 | 482 | 15% |
| Assets per Employee ($) |
$10.1M
+14.0% YoY +3.4% QoQ |
+$2.6M | $7.5M | $8.5M | $8.8M | 86% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 7 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.7pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 26% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 0.8% | 1.0% | 12% |
| Allowance Coverage |
17.60x
+1077.5% YoY -29.0% QoQ |
-6.55x | 24.15x | 31.69x | 20.23x | 88% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.3%
-0.2pp YoY +1.7pp QoQ |
+5.1pp | 12.2% | 12.3% | 11.6% | 79% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.9% | 1.7% | 47% |
| Net Income ($, YTD) |
$1.8M
+5.9% YoY — QoQ |
-$732K | $2.6M | $6.1M | $40.4M | 49% |
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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.