BlastPoint's Banking Scorecard
First Farmers & Merchants State Bank of Grand Meadow
Designations: ✓ Community bank
Grand Meadow, MN
3 branches across MN
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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits -4.1% year over year ($83.2M on the books).
- Delinquency rate 0.17%.
- Return on assets 1.15%.
- Efficiency ratio 56.26% vs a 119.40% peer average.
- Loan-to-deposit ratio 90.44% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Farmers & Merchants State Bank of Grand Meadow demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.54% above tier average
- + Efficiency Ratio 63.13% below tier average
- + Delinquency Rate 1.31% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.0M
-3.0% YoY
-6.8% QoQ
|
+$30.6M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 9.7% in tier |
| Total Loans ? |
$75.3M
+6.7% YoY
+6.7% QoQ
|
+$40.4M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 3.5% in tier |
| Total Deposits ? |
$83.2M
-4.1% YoY
-7.6% QoQ
|
+$31.6M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 5.4% in tier |
| Return on Assets ? |
1.15%
+72.4% YoY
-9.8% QoQ
|
+0.16% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.45%
+7.6% YoY
+3.5% QoQ
|
+0.54% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
56.26%
-10.5% YoY
-0.5% QoQ
|
-63.13% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
81% |
| Delinquency Rate ? |
0.17%
-93.3% QoQ
|
-1.31% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
90.44%
+11.3% YoY
+15.5% QoQ
|
+16.23% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
15.63%
+9.0% YoY
-1.5% QoQ
|
-7.86% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.14%
-92.3% QoQ
|
-0.70% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
11.46%
+2.5% YoY
-4.4% QoQ
|
-15.67% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.09%
+8.0% YoY
+119.6% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
38% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
15.6%
+1.3pp YoY -0.2pp QoQ |
-9.0pp | 24.6% | 21.9% | 22.2% | 21% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.7%
-3.2pp YoY -0.4pp QoQ |
-1.7pp | 13.4% | 14.6% | 12.5% | 58% |
| CRE |
19.9%
-3.9pp YoY -1.6pp QoQ |
-5.4pp | 25.2% | 36.5% | 41.4% | 50% |
| 1-4 Family |
14.6%
+0.2pp YoY -0.1pp QoQ |
-20.4pp | 35.0% | 29.4% | 31.3% | 29% |
| Consumer |
0.5%
+0.2pp YoY +0.1pp QoQ |
-7.2pp | 7.7% | 4.5% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.5%
+0.3pp YoY -0.5pp QoQ |
-27.2pp | 38.7% | 16.5% | 19.7% | 4% |
| Leverage Ratio |
9.4%
+0.6pp YoY +0.4pp QoQ |
-8.3pp | 17.7% | 11.0% | 12.6% | 13% |
| Total Capital Ratio |
12.7%
+0.3pp YoY -0.5pp QoQ |
-27.0pp | 39.7% | 17.6% | 20.8% | 5% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
0 YoY 0 QoQ |
+1 | 12 | 55 | 482 | 62% |
| Assets per Employee ($) |
$7.2M
-3.0% YoY -6.8% QoQ |
+$969K | $6.2M | $8.6M | $8.8M | 68% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 4 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp QoQ |
-1.6pp | 1.7% | 1.0% | 1.0% | 20% |
| Allowance Coverage |
8.81x
+1527.6% QoQ |
+2.40x | 6.41x | 20.41x | 20.23x | 87% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 51% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+4.8pp YoY -1.9pp QoQ |
+6.8pp | 6.4% | 13.1% | 11.6% | 78% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 71% |
| Net Income ($, YTD) |
$559,000
+75.8% YoY — QoQ |
+$241K | $317,817 | $4.5M | $40.4M | 80% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.