BlastPoint's Banking Scorecard
First Farmers & Merchants State Bank
Designations: ✓ Community bank
Brownsdale, MN
2 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 +7.4% year over year ($85.7M on the books).
- Delinquency rate 1.33%.
- Return on assets 1.18%.
- Efficiency ratio 54.13% vs a 119.40% peer average.
- Loan-to-deposit ratio 81.52% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Farmers & Merchants State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 0.42% above tier average
- + Efficiency Ratio 65.27% below tier average
- + Delinquency Rate 0.15% 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 ? |
$96.4M
+0.7% YoY
-0.2% QoQ
|
+$34.0M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 5.2% in tier |
| Total Loans ? |
$69.9M
-4.9% YoY
+1.6% QoQ
|
+$35.0M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Top 5.6% in tier |
| Total Deposits ? |
$85.7M
+7.4% YoY
-1.2% QoQ
|
+$34.1M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Top 2.6% in tier |
| Return on Assets ? |
1.18%
+27.1% QoQ
|
+0.18% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
4.33%
+11.4% YoY
+2.0% QoQ
|
+0.42% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
54.13%
-14.7% YoY
+0.1% QoQ
|
-65.27% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
1.33%
-57.2% YoY
-72.2% QoQ
|
-0.15% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
81.52%
-11.5% YoY
+2.8% QoQ
|
+7.31% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
19.52%
+10.5% YoY
+5.3% QoQ
|
-3.97% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.96%
-59.6% YoY
-71.7% QoQ
|
+0.13% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.84%
+17.9% YoY
+4.9% QoQ
|
-13.29% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.14%
-2.1% YoY
+106.6% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
19.5%
+1.9pp YoY +1.0pp QoQ |
-5.1pp | 24.6% | 21.9% | 22.2% | 34% |
| 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 |
15.7%
-2.0pp YoY +0.1pp QoQ |
+2.3pp | 13.4% | 14.6% | 12.5% | 70% |
| CRE |
24.4%
+0.3pp YoY +1.4pp QoQ |
-0.8pp | 25.2% | 36.5% | 41.4% | 62% |
| 1-4 Family |
10.0%
+1.5pp YoY +0.2pp QoQ |
-25.0pp | 35.0% | 29.4% | 31.3% | 20% |
| Consumer |
0.5%
0.0pp YoY 0.0pp QoQ |
-7.1pp | 7.7% | 4.5% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.8%
+2.1pp YoY +0.7pp QoQ |
-24.8pp | 38.7% | 16.5% | 19.7% | 14% |
| Leverage Ratio |
11.5%
+1.3pp YoY +0.7pp QoQ |
-6.2pp | 17.7% | 11.0% | 12.6% | 34% |
| Total Capital Ratio |
15.0%
+2.0pp YoY +0.6pp QoQ |
-24.6pp | 39.7% | 17.6% | 20.8% | 14% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
-3 (-25.0%) YoY 0 QoQ |
-3 | 12 | 55 | 482 | 36% |
| Assets per Employee ($) |
$10.7M
+34.2% YoY -0.2% QoQ |
+$4.5M | $6.2M | $8.6M | $8.8M | 96% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.3%
-1.3pp YoY -0.5pp QoQ |
-0.4pp | 1.7% | 1.0% | 1.0% | 63% |
| Allowance Coverage |
1.00x
+73.5% YoY +183.4% QoQ |
-5.41x | 6.41x | 20.41x | 20.23x | 42% |
| Net Charge-off Rate (YTD) |
0.8%
+0.6pp YoY +0.7pp QoQ |
+0.6pp | 0.2% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.7%
+12.0pp YoY +2.3pp QoQ |
+5.3pp | 6.4% | 13.1% | 11.6% | 70% |
| Cost of Funds (YTD) |
1.1%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 32% |
| Net Income ($, YTD) |
$564,000
+3860.0% YoY — QoQ |
+$246K | $317,817 | $4.5M | $40.4M | 81% |
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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.