BlastPoint's Banking Scorecard

F&M Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 14922

West Point, NE

6 branches across NE · IA

2664 banks in the $100M-$1B peer group nationally 82 in NE

F&M Bank has 4 strengths but faces 4 concerns

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

+ Revenue Diversifier: Top 42.0% in tier
+ ROA 0.28% above tier average
+ Efficiency Ratio 1.41% below tier average
+ Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 8.1% in tier
- Liquidity Strain: Bottom 16.6% in tier
- Credit Quality Pressure: Bottom 21.7% in tier
- Margin Compression: Bottom 60.3% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$361.1M +4.5% YoY -4.3% QoQ	-$25.0M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	56%
Total Loans ?	$293.0M +2.9% YoY -0.9% QoQ	+$37.3M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	67%
Total Deposits ?	$319.0M +4.4% YoY -4.8% QoQ	-$9.0M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.55% -11.6% YoY -5.5% QoQ	+0.28%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	3.97% -5.7% YoY -7.4% QoQ	+0.04%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	55%
Efficiency Ratio ?	63.88% +5.0% YoY +0.7% QoQ	-1.41%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	48%
Delinquency Rate ?	0.20% +140.5% YoY +81.1% QoQ	-0.69%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	65%
Loan-to-Deposit Ratio ?	91.86% -1.4% YoY +4.1% QoQ	+15.22%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	30.33% +7.6% YoY +5.7% QoQ	+8.31%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	83%
Nonperforming Asset Ratio ?	0.16% +136.8% YoY +87.5% QoQ	-0.48%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	11.10% +0.0% YoY +3.8% QoQ	-4.73%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.24% -1.2% YoY -72.8% QoQ	-0.04%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 9.8% in tier

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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 (1)

Revenue Diversifier

growth

#281 of 666 • Top 42.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.24%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.55%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Credit Risk Growth

risk

#80 of 973 • Bottom 8.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#108 of 643 • Bottom 16.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.86%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Credit Quality Pressure

risk

#285 of 1308 • Bottom 21.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.20%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Margin Compression

decline

#185 of 305 • Bottom 60.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.55%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

262

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#262 of 2664 Top 9.8% in $100M-$1B

462

Non-Interest-Bearing Deposit Share

funding

Value: 30.33%

Peer Median: 22.02%

#462 of 2664 Top 17.3% in $100M-$1B

Top Weaknesses (2 metrics)

2114

Loan-to-Deposit Ratio

liquidity

Value: 91.86%

Peer Median: 76.64%

#2114 of 2664 Bottom 20.7% in $100M-$1B

2019

Tier 1 Capital Ratio

capital

Value: 11.10%

Peer Median: 15.83%

#2019 of 2664 Bottom 24.2% in $100M-$1B