BlastPoint's Banking Scorecard

The Farmers and Merchants State Bank

under $100M Specialty: Agricultural SD FDIC cert 13999

Designations: ✓ Community bank

Scotland, SD

541 banks in the under $100M peer group nationally 15 in SD

The Farmers and Merchants State Bank shows strong momentum with 4 strengths and 5.3% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.51% above tier average
+ Net Interest Margin 0.58% above tier average
+ Efficiency Ratio 26.43% below tier average
+ Delinquency Rate 1.24% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SD)	National Avg	Tier Percentile
Total Assets ?	$36.1M +5.3% YoY +6.1% QoQ	-$26.0M	$62.2M -0.6% YoY	$68.7B +9.0% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$12.4M -11.8% YoY -8.0% QoQ	-$21.9M	$34.2M -1.4% YoY	$30.8B +10.3% YoY	$3.2B +10.8% YoY	Bottom 13.9% in tier
Total Deposits ?	$32.6M +4.3% YoY +6.8% QoQ	-$19.1M	$51.7M -0.7% YoY	$54.8B +8.5% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	1.35% -21.8% YoY +34.3% QoQ	+0.51%	0.84% -2.3% YoY	1.41% +1.8% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	4.44% +0.8% YoY +1.0% QoQ	+0.58%	3.86% +2.8% YoY	4.19% +0.4% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	61.92% -2.0% YoY -14.0% QoQ	-26.43%	88.34% +0.3% YoY	64.00% -0.6% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.13% -78.1% YoY -74.4% QoQ	-1.24%	1.37% +33.8% YoY	0.59% +45.1% YoY	0.95% +18.8% YoY	62%
Loan-to-Deposit Ratio ?	37.93% -15.5% YoY -13.8% QoQ	-26.29%	64.22% -0.7% YoY	71.70% +0.3% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	23.84% +13.1% YoY +17.2% QoQ	+0.13%	23.71% +0.3% YoY	23.74% -0.7% YoY	22.01% -1.2% YoY	52%
Nonperforming Asset Ratio ?	0.04% -81.7% YoY -77.8% QoQ	-0.74%	0.79% +28.2% YoY	0.41% +39.3% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	11.72% +1.3% YoY -3.5% QoQ	-14.97%	26.68% +2.0% YoY	15.79% +0.8% YoY	17.06% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.05% -66.5% YoY -86.2% QoQ	-0.62%	0.67% +1.9% YoY	0.27% +0.0% YoY	0.32% +4.1% YoY	42%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 37.93%

Peer Median: 64.22%

#88 of 541 Top 16.1% in under $100M

135

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.86%

#135 of 541 Top 24.8% in under $100M

Top Weaknesses (4 metrics)

467

Total Loans

size

Value: $12.36M

Peer Median: $34.25M

#467 of 541 Bottom 13.9% in under $100M

451

Total Assets

size

Value: $36.12M

Peer Median: $62.16M

#451 of 541 Bottom 16.8% in under $100M

436

Tier 1 Capital Ratio

capital

Value: 11.72%

Peer Median: 26.68%

#436 of 541 Bottom 19.6% in under $100M

429

Total Deposits

size

Value: $32.59M

Peer Median: $51.74M

#429 of 541 Bottom 20.9% in under $100M