BlastPoint's Banking Scorecard
Farmers & Merchants Bank & Trust
Designations: ✓ CDFI-certified
Burlington, IA
4 branches across IA
Farmers & Merchants Bank & Trust has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 14.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 29.0% in tier
- - ROA 0.28% below tier average
- - Net Interest Margin 0.38% below tier average
- - Efficiency Ratio 6.54% above tier average
- - Delinquency Rate 0.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.7M
-2.1% YoY
-1.0% QoQ
|
-$175.4M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$123.5M
+5.0% YoY
-0.5% QoQ
|
-$132.3M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$187.0M
-2.8% YoY
+3.5% QoQ
|
-$140.9M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
31% |
| Return on Assets ? |
0.99%
+84.6% YoY
+67.8% QoQ
|
-0.28% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
37% |
| Net Interest Margin ? |
3.55%
+15.3% YoY
+7.3% QoQ
|
-0.38% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
33% |
| Efficiency Ratio ? |
71.83%
-15.3% YoY
-12.5% QoQ
|
+6.54% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
1.77%
+413.4% YoY
+82.3% QoQ
|
+0.89% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 15.0% in tier |
| Loan-to-Deposit Ratio ? |
66.01%
+8.0% YoY
-3.9% QoQ
|
-10.63% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
12.69%
-8.3% YoY
+0.4% QoQ
|
-9.33% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.04%
+450.6% YoY
+83.1% QoQ
|
+0.40% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
19% |
| Tier 1 Capital Ratio ? |
17.40%
+3.0% YoY
+3.9% QoQ
|
+1.57% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.48%
+17.1% YoY
-72.8% QoQ
|
+0.20% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 3.5% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.