BlastPoint's Banking Scorecard
Farmers State Bank of Trimont
Designations: ✓ Community bank
Trimont, 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 -0.2% year over year ($60.7M on the books).
- Delinquency rate 1.06%.
- Return on assets -0.35%.
- Efficiency ratio 53.38% vs a 119.40% peer average.
- Loan-to-deposit ratio 70.02% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Trimont has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 66.02% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.34% below tier average
- - Net Interest Margin 0.22% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$73.1M
-1.8% YoY
+1.0% QoQ
|
+$10.7M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
61% |
| Total Loans ? |
$42.5M
-5.0% YoY
-1.6% QoQ
|
+$7.6M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
66% |
| Total Deposits ? |
$60.7M
-0.2% YoY
+0.6% QoQ
|
+$9.1M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
-0.35%
-133.9% YoY
+81.1% QoQ
|
-1.34% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Bottom 9.7% in tier |
| Net Interest Margin ? |
3.69%
+10.1% YoY
-2.4% QoQ
|
-0.22% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
38% |
| Efficiency Ratio ? |
53.38%
-9.6% YoY
+13.3% QoQ
|
-66.02% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 14.2% in tier |
| Delinquency Rate ? |
1.06%
-55.3% YoY
-40.2% QoQ
|
-0.42% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
70.02%
-4.8% YoY
-2.2% QoQ
|
-4.19% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
25.73%
+24.0% YoY
-0.2% QoQ
|
+2.24% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
61% |
| Nonperforming Asset Ratio ? |
0.62%
-56.8% YoY
-41.7% QoQ
|
-0.22% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
24.06%
-2.7% YoY
+0.3% QoQ
|
-3.06% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.23%
+16.2% YoY
+79.0% QoQ
|
-1.15% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
76% |
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 |
25.7%
+5.0pp YoY -0.1pp QoQ |
+1.1pp | 24.6% | 21.9% | 22.2% | 59% |
| Brokered Deposits |
0.0%
-7.0pp YoY -1.2pp QoQ |
-9.8pp | 9.8% | 8.3% | 8.5% | 2% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
-1.0pp YoY +0.6pp QoQ |
+6.3pp | 13.4% | 14.6% | 12.5% | 78% |
| CRE |
12.4%
+2.4pp YoY +0.2pp QoQ |
-12.8pp | 25.2% | 36.5% | 41.4% | 19% |
| 1-4 Family |
14.7%
-0.1pp YoY -0.3pp QoQ |
-20.3pp | 35.0% | 29.4% | 31.3% | 29% |
| Consumer |
4.4%
+1.5pp YoY 0.0pp QoQ |
-3.3pp | 7.7% | 4.5% | 5.0% | 45% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
24.1%
-0.7pp YoY +0.1pp QoQ |
-14.6pp | 38.7% | 16.5% | 19.7% | 61% |
| Leverage Ratio |
17.4%
+0.2pp YoY +1.1pp QoQ |
-0.3pp | 17.7% | 11.0% | 12.6% | 80% |
| Total Capital Ratio |
25.3%
-0.7pp YoY +0.1pp QoQ |
-14.4pp | 39.7% | 17.6% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY +2 (+22.2%) QoQ |
-1 | 12 | 55 | 482 | 50% |
| Assets per Employee ($) |
$6.6M
-1.8% YoY -17.3% QoQ |
+$459K | $6.2M | $8.6M | $8.8M | 61% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 4 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
-1.2pp YoY -0.1pp QoQ |
-0.3pp | 1.0% | 0.4% | 0.4% | 58% |
| Nonaccrual |
0.4%
-0.1pp YoY -0.6pp QoQ |
-1.3pp | 1.7% | 1.0% | 1.0% | 37% |
| Allowance Coverage |
1.32x
+152.1% YoY +76.4% QoQ |
-5.09x | 6.41x | 20.41x | 20.23x | 50% |
| Net Charge-off Rate (YTD) |
3.7%
+3.7pp YoY -3.7pp QoQ |
+3.5pp | 0.2% | 0.2% | 0.2% | 99% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-2.3%
-9.9pp YoY +10.2pp QoQ |
-8.7pp | 6.4% | 13.1% | 11.6% | 10% |
| Cost of Funds (YTD) |
1.7%
-0.3pp YoY -0.1pp QoQ |
+0.3pp | 1.4% | 1.7% | 1.7% | 68% |
| Net Income ($, YTD) |
$-129000.0
-132.9% YoY — QoQ |
-$447K | $317,817 | $4.5M | $40.4M | 8% |
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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.