BlastPoint's Banking Scorecard
Farmers State Bank of Trimont
Designations: ✓ Community bank
Trimont, MN
2 branches across MN
Farmers State Bank of Trimont has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 41.21% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.67% below tier average
- - Net Interest Margin 0.08% below tier average
- - Delinquency Rate 0.40% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.4M
-2.4% YoY
-6.9% QoQ
|
+$10.2M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$43.2M
+1.3% YoY
-10.5% QoQ
|
+$9.0M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$60.4M
+3.5% YoY
-2.6% QoQ
|
+$8.6M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
-1.83%
-218.1% YoY
-282.0% QoQ
|
-2.67% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.0% in tier |
| Net Interest Margin ? |
3.78%
+14.1% YoY
+13.5% QoQ
|
-0.08% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
47.13%
-4.7% YoY
-22.2% QoQ
|
-41.21% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 7.0% in tier |
| Delinquency Rate ? |
1.78%
+161.5% YoY
-22.4% QoQ
|
+0.40% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
71.63%
-2.2% YoY
-8.1% QoQ
|
+7.41% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
25.80%
+0.7% YoY
+16.1% QoQ
|
+2.08% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
1.06%
+171.4% YoY
-25.4% QoQ
|
+0.27% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
23.98%
-2.8% YoY
+3.6% QoQ
|
-2.70% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.13%
+37.6% YoY
-63.4% QoQ
|
-0.54% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
79% |
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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)
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Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.