BlastPoint's Banking Scorecard

First Farmers & Merchants State Bank of Grand Meadow

under $100M Specialty: Agricultural MN FDIC cert 15621

Designations: ✓ Community bank

Grand Meadow, MN

3 branches across MN

541 banks in the under $100M peer group nationally 55 in MN

First Farmers & Merchants State Bank of Grand Meadow has 3 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

+ ROA 0.45% above tier average
+ Net Interest Margin 0.44% above tier average
+ Efficiency Ratio 31.82% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.18% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$99.8M +7.7% YoY +2.4% QoQ	+$37.7M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 0.2% in tier
Total Loans ?	$70.5M -1.0% YoY +1.2% QoQ	+$36.3M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 4.4% in tier
Total Deposits ?	$90.1M +7.7% YoY +2.3% QoQ	+$38.3M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 0.4% in tier
Return on Assets ?	1.28% +208.9% YoY +69.9% QoQ	+0.45%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	66%
Net Interest Margin ?	4.30% +12.4% YoY +3.8% QoQ	+0.44%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	56.53% -17.7% YoY -9.9% QoQ	-31.82%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	82%
Delinquency Rate ?	2.55% +317.9% QoQ	+1.18%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	78.33% -8.1% YoY -1.0% QoQ	+14.12%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	30%
Non-Interest-Bearing Deposit Share ?	15.87% +9.6% YoY -9.0% QoQ	-7.84%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	1.80% +313.2% QoQ	+1.02%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 12.6% in tier
Tier 1 Capital Ratio ?	11.99% +9.3% YoY +2.3% QoQ	-14.69%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.04% -2.6% YoY -75.3% QoQ	-0.62%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	36%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

Total Assets

size

Value: $99.84M

Peer Median: $62.16M

#2 of 541 Top 0.2% in under $100M

Total Deposits

size

Value: $90.06M

Peer Median: $51.74M

#3 of 541 Top 0.4% in under $100M

Total Loans

size

Value: $70.54M

Peer Median: $34.25M

#25 of 541 Top 4.4% in under $100M

100

Efficiency Ratio

profitability

Value: 56.53%

Peer Median: 88.34%

#100 of 541 Top 18.3% in under $100M

Top Weaknesses (3 metrics)

474

Nonperforming Asset Ratio

credit_quality

Value: 1.80%

Peer Median: 0.79%

#474 of 541 Bottom 12.6% in under $100M

438

Delinquency Rate

credit_quality

Value: 2.55%

Peer Median: 1.37%

#438 of 521 Bottom 16.1% in under $100M

419

Tier 1 Capital Ratio

capital

Value: 11.99%

Peer Median: 26.68%

#419 of 541 Bottom 22.7% in under $100M