BlastPoint's Banking Scorecard
First Farmers & Merchants National Bank
Fairmont, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits +4.0% year over year ($115.4M on the books).
- Delinquency rate 0.06%.
- Return on assets 1.02%.
- Efficiency ratio 62.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Farmers & Merchants National Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 1.59% below tier average
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.4M
+7.2% YoY
-0.5% QoQ
|
-$246.1M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.5% in tier |
| Total Loans ? |
$115.1M
+7.4% YoY
-1.6% QoQ
|
-$143.2M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$115.4M
+4.0% YoY
-3.4% QoQ
|
-$211.4M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.4% in tier |
| Return on Assets ? |
1.02%
+42.9% YoY
+7.3% QoQ
|
-0.30% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
35% |
| Net Interest Margin ? |
4.17%
+8.8% YoY
+3.5% QoQ
|
+0.19% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
62.89%
-9.2% YoY
-0.1% QoQ
|
-1.59% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
0.06%
-73.1% YoY
-81.2% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
99.81%
+3.3% YoY
+1.9% QoQ
|
+21.86% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.97%
+10.2% YoY
+5.0% QoQ
|
-7.06% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.05%
-73.0% YoY
-81.4% QoQ
|
-0.62% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
11.91%
-2.2% YoY
+3.3% QoQ
|
-4.00% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.12%
+11.3% YoY
+152.0% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
15.0%
+1.4pp YoY +0.7pp QoQ |
-7.2pp | 22.1% | 21.9% | 22.2% | 24% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.0%
+0.9pp YoY +1.3pp QoQ |
+3.4pp | 11.6% | 14.6% | 12.5% | 76% |
| CRE |
29.3%
-0.3pp YoY +0.7pp QoQ |
-10.2pp | 39.5% | 36.5% | 41.4% | 33% |
| 1-4 Family |
27.5%
-2.4pp YoY -0.4pp QoQ |
-5.1pp | 32.6% | 29.4% | 31.3% | 46% |
| Consumer |
3.4%
+0.7pp YoY -0.2pp QoQ |
-0.7pp | 4.1% | 4.5% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.9%
-0.3pp YoY +0.4pp QoQ |
-6.9pp | 18.8% | 16.5% | 19.7% | 16% |
| Leverage Ratio |
10.6%
-0.4pp YoY +0.5pp QoQ |
-1.6pp | 12.2% | 11.0% | 12.6% | 43% |
| Total Capital Ratio |
13.0%
-0.4pp YoY +0.4pp QoQ |
-6.9pp | 19.9% | 17.6% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
-43 | 58 | 55 | 482 | 5% |
| Assets per Employee ($) |
$8.8M
+7.2% YoY -0.5% QoQ |
+$1.3M | $7.5M | $8.6M | $8.8M | 77% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 14% |
| Allowance Coverage |
18.74x
+238.1% YoY +446.5% QoQ |
-5.41x | 24.15x | 20.41x | 20.23x | 88% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY -0.2pp QoQ |
+0.1pp | 0.1% | 0.2% | 0.2% | 86% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.6%
+3.2pp YoY +0.6pp QoQ |
-1.6pp | 12.2% | 13.1% | 11.6% | 40% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.7% | 1.7% | 69% |
| Net Income ($, YTD) |
$726,000
+52.8% YoY — QoQ |
-$1.8M | $2.6M | $4.5M | $40.4M | 17% |
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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.