BlastPoint's Banking Scorecard
Farmers and Merchants Union Bank
Columbus, WI
13 branches across WI
Farmers and Merchants Union Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 13.7% in tier
- + Efficiency Ratio 20.83% below tier average
- + Net Interest Margin 0.20% above tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 29.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$903.8M
+39.9% YoY
+32.3% QoQ
|
+$517.7M |
$386.1M
+0.5% YoY
|
$1.1B
+10.1% YoY
|
$6.2B
+9.1% YoY
|
Top 3.5% in tier |
| Total Loans ? |
$635.4M
+25.8% YoY
+13.1% QoQ
|
+$379.7M |
$255.7M
+1.1% YoY
|
$816.7M
+9.9% YoY
|
$3.2B
+10.8% YoY
|
Top 4.6% in tier |
| Total Deposits ? |
$783.8M
+40.9% YoY
+34.6% QoQ
|
+$455.8M |
$328.0M
+0.1% YoY
|
$905.4M
+9.0% YoY
|
$4.8B
+8.2% YoY
|
Top 3.2% in tier |
| Return on Assets ? |
1.84%
+153.3% YoY
-0.0% QoQ
|
+0.58% |
1.27%
+12.9% YoY
|
1.50%
+15.4% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.13%
-2.2% YoY
-7.3% QoQ
|
+0.20% |
3.93%
+6.0% YoY
|
3.77%
+9.2% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
44.46%
-18.5% YoY
-6.7% QoQ
|
-20.83% |
65.29%
-4.5% YoY
|
64.74%
-4.5% YoY
|
66.95%
-4.1% YoY
|
Top 8.3% in tier |
| Delinquency Rate ? |
0.26%
+222.2% YoY
|
-0.63% |
0.89%
+18.8% YoY
|
0.87%
+31.3% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
81.07%
-10.7% YoY
-16.0% QoQ
|
+4.43% |
76.64%
+0.8% YoY
|
86.53%
+1.6% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
18.68%
-6.2% YoY
-2.5% QoQ
|
-3.34% |
22.02%
-1.0% YoY
|
18.27%
-0.8% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.30%
+371.7% YoY
|
-0.34% |
0.64%
+19.7% YoY
|
0.63%
+35.0% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
11.03%
-5.2% YoY
-11.6% QoQ
|
-4.81% |
15.83%
+1.5% YoY
|
14.74%
+0.5% YoY
|
17.06%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.06%
+7.6% YoY
-75.0% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
1.15%
+12.5% YoY
|
0.32%
+4.1% YoY
|
23% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
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.