BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Laotto, IN
4 branches across IN
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 60 in IN.
- Deposits +2.2% year over year ($279.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.51%.
- Efficiency ratio 54.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.18% above tier average
- + Efficiency Ratio 9.79% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 21.9% in tier
- - Net Interest Margin 0.65% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$306.1M
+3.4% YoY
-2.7% QoQ
|
-$80.5M |
$386.6M
+1.2% YoY
|
$2.5B
+3.7% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$203.8M
+17.6% YoY
+7.4% QoQ
|
-$54.5M |
$258.3M
+1.7% YoY
|
$1.8B
+5.7% YoY
|
$3.2B
+9.4% YoY
|
49% |
| Total Deposits ? |
$279.5M
+2.2% YoY
-3.1% QoQ
|
-$47.2M |
$326.7M
+0.7% YoY
|
$2.0B
+3.4% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
1.51%
+33.7% YoY
+4.4% QoQ
|
+0.18% |
1.32%
+10.8% YoY
|
1.07%
+3.3% YoY
|
1.30%
+12.1% YoY
|
66% |
| Net Interest Margin ? |
3.34%
+15.8% YoY
+3.1% QoQ
|
-0.65% |
3.99%
+5.0% YoY
|
3.70%
+8.1% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
54.69%
-8.6% YoY
-1.5% QoQ
|
-9.79% |
64.48%
-3.2% YoY
|
77.20%
+13.2% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.91%
+27.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
72.92%
+15.1% YoY
+10.8% QoQ
|
-5.03% |
77.95%
+1.0% YoY
|
81.91%
+1.2% YoY
|
79.03%
+2.3% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
17.70%
+9.4% YoY
+7.1% QoQ
|
-4.33% |
22.03%
-0.6% YoY
|
16.57%
-2.9% YoY
|
21.98%
-0.6% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.69%
+42.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.05%
+2.7% YoY
-17.2% QoQ
|
-6.86% |
15.91%
+1.4% YoY
|
16.20%
+1.2% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.1% in tier |
| Non-Interest Income / Assets ? |
0.16%
-1.7% YoY
+96.5% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
1.78%
-1.3% YoY
|
0.66%
+5.2% YoY
|
37% |
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.7%
+1.5pp YoY +1.2pp QoQ |
-4.4pp | 22.1% | 16.8% | 22.2% | 35% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.2% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.0%
-0.5pp YoY +1.1pp QoQ |
-3.6pp | 11.6% | 11.1% | 12.5% | 40% |
| CRE |
32.8%
+3.3pp YoY 0.0pp QoQ |
-6.7pp | 39.5% | 36.2% | 41.4% | 40% |
| 1-4 Family |
38.7%
-2.7pp YoY -2.1pp QoQ |
+6.1pp | 32.6% | 40.0% | 31.3% | 68% |
| Consumer |
2.0%
-0.8pp YoY 0.0pp QoQ |
-2.1pp | 4.1% | 3.2% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.5% | 19.7% | n/a |
| Leverage Ratio |
9.0%
+0.2pp YoY +0.1pp QoQ |
-3.1pp | 12.2% | 13.0% | 12.6% | 13% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.7% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
0 YoY 0 QoQ |
-31 | 58 | 237 | 482 | 24% |
| Assets per Employee ($) |
$10.9M
+3.4% YoY -2.7% QoQ |
+$3.4M | $7.5M | $7.5M | $8.8M | 90% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 17 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 6.71x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 40% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.4%
+3.6pp YoY +0.5pp QoQ |
+7.2pp | 12.2% | 11.2% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 42% |
| Net Income ($, YTD) |
$2.3M
+49.3% YoY — QoQ |
-$231K | $2.6M | $16.3M | $40.4M | 59% |
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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.