BlastPoint's Banking Scorecard

F&M Bank

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

West Point, NE

6 branches across NE · IA

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits +4.9% year over year ($311.6M on the books).
Delinquency rate 0.07%.
Return on assets 1.83%.
Efficiency ratio 60.18% vs a 64.48% peer average.
Loan-to-deposit ratio 93.95% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

F&M Bank has 5 strengths but faces 1 concern

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 29.7% in tier
+ ROA 0.51% above tier average
+ Net Interest Margin 0.13% above tier average
+ Efficiency Ratio 4.30% below tier average
+ Delinquency Rate 0.84% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 33.3% in tier

Get updates when F&M Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$354.6M +4.6% YoY -1.8% QoQ	-$32.0M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$292.7M +5.7% YoY -0.1% QoQ	+$34.4M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	66%
Total Deposits ?	$311.6M +4.9% YoY -2.3% QoQ	-$15.2M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	1.83% +3.4% YoY +17.9% QoQ	+0.51%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	81%
Net Interest Margin ?	4.12% -4.2% YoY +3.8% QoQ	+0.13%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	60.18% -0.6% YoY -5.8% QoQ	-4.30%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	56%
Delinquency Rate ?	0.07% -77.9% YoY -61.8% QoQ	-0.84%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	77%
Loan-to-Deposit Ratio ?	93.95% +0.8% YoY +2.3% QoQ	+16.00%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	28.66% +1.7% YoY -5.5% QoQ	+6.63%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	78%
Nonperforming Asset Ratio ?	0.06% -77.6% YoY -61.1% QoQ	-0.61%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	77%
Tier 1 Capital Ratio ?	11.76% +0.2% YoY +6.0% QoQ	-4.14%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.52% +6.9% YoY +115.5% QoQ	-0.05%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	Top 9.0% in tier

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 (NE)	National Avg	Tier Percentile
Noninterest-Bearing	28.7% +0.5pp YoY -1.7pp QoQ	+6.5pp	22.1%	17.6%	22.2%	78%
Brokered Deposits	n/a	n/a	7.9%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	4.6% -1.3pp YoY -1.7pp QoQ	-7.0pp	11.6%	12.3%	12.5%	18%
CRE	30.0% +0.1pp YoY +1.6pp QoQ	-9.5pp	39.5%	32.3%	41.4%	34%
1-4 Family	17.1% -1.4pp YoY -0.1pp QoQ	-15.5pp	32.6%	16.9%	31.3%	24%
Consumer	0.6% -0.2pp YoY 0.0pp QoQ	-3.5pp	4.1%	3.1%	5.0%	18%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	16.1%	19.7%	n/a
Leverage Ratio	11.8% 0.0pp YoY +0.7pp QoQ	-0.4pp	12.2%	12.1%	12.6%	62%
Total Capital Ratio	n/a	n/a	19.9%	17.3%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	60 -1 (-1.6%) YoY +1 (+1.7%) QoQ	+1	58	98	482	63%
Assets per Employee ($)	$5.9M +6.4% YoY -3.4% QoQ	-$1.6M	$7.5M	$8.5M	$8.8M	32%
Branch Count	6 0 YoY 0 QoQ	+1	4	7	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.4%	22%
Nonaccrual	0.1% -0.1pp YoY -0.1pp QoQ	-0.9pp	0.9%	0.8%	1.0%	13%
Allowance Coverage	17.24x +342.0% YoY +165.7% QoQ	-6.92x	24.15x	31.69x	20.23x	87%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	40%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	16.8% +0.9pp YoY +2.0pp QoQ	+4.6pp	12.2%	12.3%	11.6%	76%
Cost of Funds (YTD)	1.6% -0.1pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.9%	1.7%	46%
Net Income ($, YTD)	$3.3M +8.7% YoY — QoQ	+$775K	$2.6M	$6.1M	$40.4M	73%

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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

#197 of 661 • Top 29.7% 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: 0.52%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 1.83%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#231 of 691 • Bottom 33.3% 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: 93.95%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

239

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.57%

#239 of 2643 Top 9.0% in $100M-$1B

504

Return on Assets

profitability

Value: 1.83%

Peer Median: 1.32%

#504 of 2643 Top 19.0% in $100M-$1B

578

Non-Interest-Bearing Deposit Share

funding

Value: 28.66%

Peer Median: 22.03%

#578 of 2643 Top 21.8% in $100M-$1B

611

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.67%

#611 of 2643 Top 23.1% in $100M-$1B

618

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.92%

#618 of 2633 Top 23.4% in $100M-$1B

Top Weaknesses (1 metrics)

2165

Loan-to-Deposit Ratio

liquidity

Value: 93.95%

Peer Median: 77.95%

#2165 of 2643 Bottom 18.1% in $100M-$1B