BlastPoint's Banking Scorecard
The Farmers and Merchants State Bank
Designations: ✓ Community bank
Scotland, 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 536 banks in the under $100M peer group nationwide — 1 of 14 in SD.
- Deposits +3.4% year over year ($32.4M on the books).
- Delinquency rate 0.08%.
- Return on assets 1.25%.
- Efficiency ratio 65.62% vs a 119.40% peer average.
- Loan-to-deposit ratio 40.98% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers and Merchants State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.49% above tier average
- + Efficiency Ratio 53.77% below tier average
- + Delinquency Rate 1.40% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.0M
+4.3% YoY
-0.2% QoQ
|
-$26.4M |
$62.4M
-0.0% YoY
|
$70.4B
+8.4% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$13.3M
+0.2% YoY
+7.3% QoQ
|
-$21.6M |
$34.9M
-0.6% YoY
|
$31.5B
+10.3% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$32.4M
+3.4% YoY
-0.7% QoQ
|
-$19.3M |
$51.6M
-0.2% YoY
|
$56.5B
+10.5% YoY
|
$4.9B
+7.3% YoY
|
21% |
| Return on Assets ? |
1.25%
-2.2% YoY
-7.2% QoQ
|
+0.25% |
1.00%
+3.5% YoY
|
1.40%
+6.8% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
4.40%
+0.6% YoY
-0.8% QoQ
|
+0.49% |
3.91%
+2.3% YoY
|
4.26%
+1.1% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
65.62%
-0.4% YoY
+6.0% QoQ
|
-53.77% |
119.40%
+49.6% YoY
|
60.99%
-4.4% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
0.08%
-87.1% YoY
-35.9% QoQ
|
-1.40% |
1.48%
+31.8% YoY
|
0.78%
+47.6% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
40.98%
-3.1% YoY
+8.1% QoQ
|
-33.23% |
74.21%
+12.6% YoY
|
73.26%
-0.6% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
22.80%
+15.9% YoY
-4.4% QoQ
|
-0.69% |
23.49%
+0.6% YoY
|
23.46%
+3.2% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.03%
-87.6% YoY
-31.1% QoQ
|
-0.81% |
0.84%
+23.0% YoY
|
0.54%
+39.8% YoY
|
0.69%
+15.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
11.89%
+2.0% YoY
+1.5% QoQ
|
-15.24% |
27.13%
+3.0% YoY
|
15.80%
+1.0% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.09%
-55.0% YoY
+72.6% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.54%
-0.1% YoY
|
0.66%
+5.2% YoY
|
34% |
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 (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.8%
+3.1pp YoY -1.0pp QoQ |
-1.8pp | 24.6% | 23.5% | 22.2% | 45% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
+0.4pp YoY +1.7pp QoQ |
+1.9pp | 13.4% | 14.1% | 12.5% | 70% |
| CRE | n/a | n/a | 25.2% | 31.5% | 41.4% | n/a |
| 1-4 Family |
5.1%
+0.5pp YoY -0.8pp QoQ |
-29.9pp | 35.0% | 14.9% | 31.3% | 14% |
| Consumer |
13.7%
+0.4pp YoY -2.0pp QoQ |
+6.0pp | 7.7% | 8.5% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.6% | 19.7% | n/a |
| Leverage Ratio |
11.9%
+0.2pp YoY +0.2pp QoQ |
-5.8pp | 17.7% | 11.9% | 12.6% | 39% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 6,279 | 482 | 13% |
| Assets per Employee ($) |
$6.0M
+4.3% YoY -0.2% QoQ |
-$181K | $6.2M | $8.1M | $8.8M | 50% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 92 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.2% | 0.4% | 24% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
19.73x
+648.6% YoY +45.5% QoQ |
+13.32x | 6.41x | 96.54x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.7% | 0.2% | 24% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
-2.3pp YoY -1.1pp QoQ |
+6.3pp | 6.4% | 12.4% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.0%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.4% | 1.7% | 1.7% | 26% |
| Net Income ($, YTD) |
$221,000
+0.9% YoY — QoQ |
-$97K | $317,817 | $418.8M | $40.4M | 40% |
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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.