BlastPoint's Banking Scorecard
Farmers and Merchants State Bank
Langdon, ND
Farmers and Merchants State Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Efficiency Ratio 12.96% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 49.4% in tier
- - Delinquency Rate 3.82% above tier average
- - Nonperforming Asset Ratio 1.97% above tier average
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.58% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.1M
-1.1% YoY
-6.8% QoQ
|
-$246.0M |
$386.1M
+0.5% YoY
|
$1.1B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.3% in tier |
| Total Loans ? |
$77.7M
+7.5% YoY
-4.8% QoQ
|
-$178.1M |
$255.7M
+1.1% YoY
|
$779.7M
+5.6% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.1% in tier |
| Total Deposits ? |
$109.5M
+0.5% YoY
+1.3% QoQ
|
-$218.4M |
$328.0M
+0.1% YoY
|
$930.6M
+2.8% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.5% in tier |
| Return on Assets ? |
1.41%
+65.6% YoY
+16.7% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
1.38%
+15.2% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.35%
+20.3% YoY
+9.7% QoQ
|
-0.58% |
3.93%
+6.0% YoY
|
3.69%
+5.3% YoY
|
3.89%
+5.7% YoY
|
24% |
| Efficiency Ratio ? |
52.33%
-23.0% YoY
-8.5% QoQ
|
-12.96% |
65.29%
-4.5% YoY
|
60.25%
-5.8% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
4.70%
+433.5% YoY
+248.8% QoQ
|
+3.82% |
0.89%
+18.8% YoY
|
0.92%
+20.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.4% in tier |
| Loan-to-Deposit Ratio ? |
70.90%
+6.9% YoY
-6.0% QoQ
|
-5.74% |
76.64%
+0.8% YoY
|
69.27%
+0.4% YoY
|
76.70%
+0.9% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
18.82%
-7.8% YoY
-21.3% QoQ
|
-3.20% |
22.02%
-1.0% YoY
|
22.07%
+2.0% YoY
|
22.01%
-1.2% YoY
|
40% |
| Nonperforming Asset Ratio ? |
2.61%
+480.0% YoY
+256.1% QoQ
|
+1.97% |
0.64%
+19.7% YoY
|
0.56%
+12.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.2% in tier |
| Tier 1 Capital Ratio ? |
14.79%
+3.9% YoY
+0.5% QoQ
|
-1.04% |
15.83%
+1.5% YoY
|
13.00%
+1.5% YoY
|
17.06%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.03%
+50.1% YoY
-69.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+7.9% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.5% in tier |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.