BlastPoint's Banking Scorecard
F&M Bank and Trust Company
Hannibal, MO
3 branches across MO
F&M Bank and Trust Company faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 35.5% in tier
- - ROA 0.42% below tier average
- - Net Interest Margin 0.43% below tier average
- - Efficiency Ratio 4.82% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.9M
+1.0% YoY
+3.2% QoQ
|
-$198.2M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$119.0M
+6.5% YoY
+2.4% QoQ
|
-$136.8M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$170.1M
-0.5% YoY
+3.3% QoQ
|
-$157.9M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
27% |
| Return on Assets ? |
0.85%
+26.4% YoY
+15.3% QoQ
|
-0.42% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
29% |
| Net Interest Margin ? |
3.50%
+11.5% YoY
+6.2% QoQ
|
-0.43% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
70.11%
-4.2% YoY
-2.0% QoQ
|
+4.82% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.89%
-4.2% QoQ
|
+0.00% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
69.94%
+7.0% YoY
-0.9% QoQ
|
-6.69% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
23.15%
+6.1% YoY
+7.9% QoQ
|
+1.13% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.68%
+371.6% YoY
-4.5% QoQ
|
+0.05% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
30% |
| Tier 1 Capital Ratio ? |
15.61%
+2.1% YoY
-0.9% QoQ
|
-0.22% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.12%
+27.4% YoY
-69.3% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
64% |
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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.