BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Milligan, NE
2 branches across KS · NE
Farmers and Merchants Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.83% below tier average
- + ROA 0.42% above tier average
- + Delinquency Rate 0.31% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.3% in tier
- - Loan-to-Deposit Ratio 32.45% above tier average
- - Non-Interest-Bearing Deposit Share 12.87% below tier average
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.58% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.8M
+18.8% YoY
+3.3% QoQ
|
-$174.3M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$175.7M
+20.2% YoY
-1.9% QoQ
|
-$80.0M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$161.1M
+19.9% YoY
+3.9% QoQ
|
-$166.9M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
1.68%
+14.8% YoY
+3.0% QoQ
|
+0.42% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
77% |
| Net Interest Margin ? |
3.35%
+0.9% YoY
-3.6% QoQ
|
-0.58% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
40.46%
-11.2% YoY
-7.0% QoQ
|
-24.83% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Top 4.5% in tier |
| Delinquency Rate ? |
0.57%
+7.5% YoY
-11.4% QoQ
|
-0.31% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
109.09%
+0.3% YoY
-5.6% QoQ
|
+32.45% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.14%
+20.8% YoY
-8.9% QoQ
|
-12.87% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.2% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+8.9% YoY
-15.9% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
14.12%
-10.8% YoY
+5.1% QoQ
|
-1.71% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.02%
+53.1% YoY
-51.0% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 4.0% 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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.