BlastPoint's Banking Scorecard

Farmers and Mechanics Federal Savings Bank

$100M-$1B Specialty: Other IN FDIC cert 28478

Designations: ✓ Mutual

Bloomfield, IN

4 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Farmers and Mechanics Federal Savings Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 13.4% in tier
- Deposit Outflow: Bottom 44.9% in tier
- Return on Assets 1.46% below tier average
- Net Interest Margin 1.11% below tier average
- Efficiency Ratio 40.69% above tier average
- Delinquency Rate 0.51% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$116.0M -2.7% YoY -0.7% QoQ	-$270.1M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	Bottom 4.7% in tier
Total Loans ?	$65.5M +0.6% YoY -4.1% QoQ	-$190.2M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	Bottom 6.2% in tier
Total Deposits ?	$108.4M -0.7% YoY -1.4% QoQ	-$219.6M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	Bottom 8.0% in tier
Return on Assets ?	-0.19% +54.3% YoY +27.4% QoQ	-1.46%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	Bottom 2.6% in tier
Net Interest Margin ?	2.82% +11.7% YoY +1.1% QoQ	-1.11%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	Bottom 7.2% in tier
Efficiency Ratio ?	105.98% -8.1% YoY +1.8% QoQ	+40.69%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	Bottom 1.8% in tier
Delinquency Rate ?	1.40% -8.6% YoY +5.0% QoQ	+0.51%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	20%
Loan-to-Deposit Ratio ?	60.42% +1.3% YoY -2.7% QoQ	-16.22%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	9.65% -12.0% YoY +14.1% QoQ	-12.37%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	Bottom 10.0% in tier
Nonperforming Asset Ratio ?	0.79% -5.4% YoY +1.5% QoQ	+0.15%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	11.15% -15.0% YoY +5.5% QoQ	-4.68%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.12% +92.8% YoY -62.7% QoQ	-0.16%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	61%

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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 (2)

Capital Thin

risk

#90 of 666 • Bottom 13.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.15%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#228 of 506 • Bottom 44.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

508

Loan-to-Deposit Ratio

liquidity

Value: 60.42%

Peer Median: 76.64%

#508 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (9 metrics)

2616

Efficiency Ratio

profitability

Value: 105.98%

Peer Median: 65.29%

#2616 of 2664 Bottom 1.8% in $100M-$1B

2595

Return on Assets

profitability

Value: -0.19%

Peer Median: 1.27%

#2595 of 2664 Bottom 2.6% in $100M-$1B

2539

Total Assets

size

Value: $115.97M

Peer Median: $386.08M

#2539 of 2664 Bottom 4.7% in $100M-$1B

2500

Total Loans

size

Value: $65.47M

Peer Median: $255.72M

#2500 of 2664 Bottom 6.2% in $100M-$1B

2474

Net Interest Margin

profitability

Value: 2.82%

Peer Median: 3.93%

#2474 of 2664 Bottom 7.2% in $100M-$1B

2451

Total Deposits

size

Value: $108.35M

Peer Median: $327.97M

#2451 of 2664 Bottom 8.0% in $100M-$1B

2398

Non-Interest-Bearing Deposit Share

funding

Value: 9.65%

Peer Median: 22.02%

#2398 of 2664 Bottom 10.0% in $100M-$1B

2118

Delinquency Rate

credit_quality

Value: 1.40%

Peer Median: 0.89%

#2118 of 2654 Bottom 20.2% in $100M-$1B

2001

Tier 1 Capital Ratio

capital

Value: 11.15%

Peer Median: 15.83%

#2001 of 2664 Bottom 24.9% in $100M-$1B