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 40.50% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.69% below tier average
- - Net Interest Margin 0.09% below tier average
- - Delinquency Rate 0.42% 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
|
+$10.1M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
60% |
| Total Loans ? |
$43.2M
+1.3% YoY
-10.5% QoQ
|
+$8.9M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
67% |
| Total Deposits ? |
$60.4M
+3.5% YoY
-2.6% QoQ
|
+$8.5M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
59% |
| Return on Assets ? |
-1.83%
-218.1% YoY
-282.0% QoQ
|
-2.69% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
Bottom 4.7% in tier |
| Net Interest Margin ? |
3.78%
+14.1% YoY
+13.5% QoQ
|
-0.09% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
49% |
| Efficiency Ratio ? |
47.13%
-4.7% YoY
-22.2% QoQ
|
-40.50% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
Top 7.1% in tier |
| Delinquency Rate ? |
1.78%
+161.5% YoY
-22.4% QoQ
|
+0.42% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
71.63%
-2.2% YoY
-8.1% QoQ
|
+7.52% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
25.80%
+0.7% YoY
+16.1% QoQ
|
+2.01% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.06%
+171.4% YoY
-25.4% QoQ
|
+0.29% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
23.98%
-2.8% YoY
+3.6% QoQ
|
-2.79% |
26.77%
+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%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% 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.