BlastPoint's Banking Scorecard

First Farmers & Merchants State Bank

under $100M Specialty: Agricultural MN FDIC cert 1600

Designations: ✓ Community bank

Brownsdale, MN

2 branches across MN

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

First Farmers & Merchants State Bank has 3 strengths but faces 2 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

+ ROA 0.09% above tier average
+ Net Interest Margin 0.39% above tier average
+ Efficiency Ratio 34.29% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.41% above tier average
- Nonperforming Asset Ratio 2.62% 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 ?	$96.6M +0.7% YoY +3.1% QoQ	+$34.4M	$62.2M -0.6% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	Top 4.3% in tier
Total Loans ?	$68.8M -6.0% YoY -4.6% QoQ	+$34.5M	$34.2M -1.4% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Top 5.2% in tier
Total Deposits ?	$86.7M +3.1% YoY +6.4% QoQ	+$35.0M	$51.7M -0.7% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	Top 1.8% in tier
Return on Assets ?	0.93% +58.9% YoY +450.4% QoQ	+0.09%	0.84% -2.3% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	4.25% +9.0% YoY +4.6% QoQ	+0.39%	3.86% +2.8% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	54.05% -15.7% YoY -10.8% QoQ	-34.29%	88.34% +0.3% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	Top 14.0% in tier
Delinquency Rate ?	4.78% +48.8% YoY +158.9% QoQ	+3.41%	1.37% +33.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Bottom 6.3% in tier
Loan-to-Deposit Ratio ?	79.31% -8.8% YoY -10.3% QoQ	+15.09%	64.22% -0.7% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	18.54% +6.0% YoY +1.4% QoQ	-5.17%	23.71% +0.3% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	3.40% +38.9% YoY +139.6% QoQ	+2.62%	0.79% +28.2% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Bottom 4.4% in tier
Tier 1 Capital Ratio ?	13.19% +9.0% YoY +5.3% QoQ	-13.50%	26.68% +2.0% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.07% -0.7% YoY -76.5% QoQ	-0.60%	0.67% +1.9% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	53%

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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 Deposits

size

Value: $86.69M

Peer Median: $51.74M

#11 of 541 Top 1.8% in under $100M

Total Assets

size

Value: $96.58M

Peer Median: $62.16M

#24 of 541 Top 4.3% in under $100M

Total Loans

size

Value: $68.76M

Peer Median: $34.25M

#29 of 541 Top 5.2% in under $100M

Efficiency Ratio

profitability

Value: 54.05%

Peer Median: 88.34%

#77 of 541 Top 14.0% in under $100M

Top Weaknesses (2 metrics)

518

Nonperforming Asset Ratio

credit_quality

Value: 3.40%

Peer Median: 0.79%

#518 of 541 Bottom 4.4% in under $100M

489

Delinquency Rate

credit_quality

Value: 4.78%

Peer Median: 1.37%

#489 of 521 Bottom 6.3% in under $100M