BlastPoint's Banking Scorecard

Farmers and Merchants Bank

$1B-$10B Specialty: Agricultural NE FDIC cert 16810

Designations: ✓ Community bank

Milford, NE

12 branches across NE

884 banks in the $1B-$10B peer group nationally 21 in NE

Farmers and Merchants Bank has 3 strengths but faces 4 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 7.93% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 28.6% in tier
- Net Interest Margin 1.56% below tier average
- Non-Interest-Bearing Deposit Share 14.40% below tier average
- Non-Interest Income / Assets 0.22% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$1.0B +7.4% YoY +5.4% QoQ	-$1.8B	$2.8B -0.1% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 4.0% in tier
Total Loans ?	$228.9M -3.0% YoY -6.7% QoQ	-$1.7B	$2.0B +0.6% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Bottom 1.0% in tier
Total Deposits ?	$878.1M +7.2% YoY +6.1% QoQ	-$1.5B	$2.3B -0.3% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 5.2% in tier
Return on Assets ?	0.87% -12.7% YoY -1.7% QoQ	-0.49%	1.37% +19.6% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	2.25% -8.4% YoY -6.3% QoQ	-1.56%	3.82% +6.9% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Bottom 3.2% in tier
Efficiency Ratio ?	53.13% +3.0% YoY -9.2% QoQ	-7.93%	61.06% -4.6% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +14.1% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	26.07% -9.5% YoY -12.1% QoQ	-58.14%	84.20% +0.3% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Top 1.7% in tier
Non-Interest-Bearing Deposit Share ?	6.89% +7.5% YoY +3.5% QoQ	-14.40%	21.29% -2.5% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	Bottom 6.8% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +15.6% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.60% +16.4% YoY +6.3% QoQ	+8.44%	15.16% +2.0% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Top 4.9% in tier
Non-Interest Income / Assets ?	0.04% +12.5% YoY -85.0% QoQ	-0.22%	0.26% +1.6% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Bottom 6.3% in tier

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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 (1)

Margin Compression

decline

#25 of 84 • Bottom 28.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.87%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 26.07%

Peer Median: 84.20%

#16 of 884 Top 1.7% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 23.60%

Peer Median: 15.16%

#44 of 884 Top 4.9% in $1B-$10B

Top Weaknesses (7 metrics)

876

Total Loans

size

Value: $228.88M

Peer Median: $1.96B

#876 of 884 Bottom 1.0% in $1B-$10B

857

Net Interest Margin

profitability

Value: 2.25%

Peer Median: 3.82%

#857 of 884 Bottom 3.2% in $1B-$10B

850

Total Assets

size

Value: $1.04B

Peer Median: $2.82B

#850 of 884 Bottom 4.0% in $1B-$10B

839

Total Deposits

size

Value: $878.05M

Peer Median: $2.34B

#839 of 884 Bottom 5.2% in $1B-$10B

829

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.26%

#829 of 884 Bottom 6.3% in $1B-$10B

825

Non-Interest-Bearing Deposit Share

funding

Value: 6.89%

Peer Median: 21.29%

#825 of 884 Bottom 6.8% in $1B-$10B

670

Return on Assets

profitability

Value: 0.87%

Peer Median: 1.37%

#670 of 884 Bottom 24.3% in $1B-$10B