BlastPoint's Banking Scorecard

Farmers & Merchants Bank of Colby

$100M-$1B Specialty: Agricultural KS FDIC cert 34719

Colby, KS

5 branches across CO · KS

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 117 in KS.
Deposits +11.8% year over year ($511.3M on the books).
Delinquency rate 0.62%.
Return on assets 1.69%.
Efficiency ratio 38.95% vs a 64.48% peer average.
Loan-to-deposit ratio 93.03% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 117 in KS

View $100M-$1B leaderboard (KS) →

Farmers & Merchants Bank of Colby has 3 strengths but faces 2 concerns

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

+ Efficiency Ratio 25.53% below tier average
+ ROA 0.37% above tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 48.9% in tier
- Net Interest Margin 0.27% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$650.8M +9.9% YoY +2.2% QoQ	+$264.2M	$386.6M +1.2% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	84%
Total Loans ?	$475.7M +10.2% YoY +3.8% QoQ	+$217.3M	$258.3M +1.7% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 13.8% in tier
Total Deposits ?	$511.3M +11.8% YoY +2.3% QoQ	+$184.6M	$326.7M +0.7% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.69% +20.4% YoY -3.2% QoQ	+0.37%	1.32% +10.8% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	75%
Net Interest Margin ?	3.71% +8.5% YoY +0.3% QoQ	-0.27%	3.99% +5.0% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	38.95% -2.6% YoY +6.6% QoQ	-25.53%	64.48% -3.2% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	Top 3.2% in tier
Delinquency Rate ?	0.62% -16.7% YoY	-0.30%	0.92% +15.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	93.03% -1.4% YoY +1.5% QoQ	+15.08%	77.95% +1.0% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	20%
Non-Interest-Bearing Deposit Share ?	16.21% +113.5% YoY +94.3% QoQ	-5.82%	22.03% -0.6% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.45% -16.5% YoY	-0.22%	0.67% +16.4% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	41%
Tier 1 Capital Ratio ?	11.23% +1.7% YoY +1.6% QoQ	-4.68%	15.91% +1.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.09% -7.0% YoY +91.6% QoQ	-0.48%	0.57% +7.6% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	Bottom 14.3% in tier

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 (KS)	National Avg	Tier Percentile
Noninterest-Bearing	16.2% +8.6pp YoY +7.9pp QoQ	-5.9pp	22.1%	22.3%	22.2%	28%
Brokered Deposits	16.0% -2.6pp YoY -0.1pp QoQ	+8.1pp	7.9%	8.7%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	16.5% +1.3pp YoY +0.1pp QoQ	+5.0pp	11.6%	12.6%	12.5%	81%
CRE	33.5% +0.5pp YoY +0.4pp QoQ	-6.0pp	39.5%	28.8%	41.4%	41%
1-4 Family	1.9% -0.1pp YoY 0.0pp QoQ	-30.8pp	32.6%	26.7%	31.3%	2%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.1%	4.6%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.3%	19.7%	n/a
Leverage Ratio	11.2% +0.2pp YoY +0.2pp QoQ	-0.9pp	12.2%	12.6%	12.6%	54%
Total Capital Ratio	n/a	n/a	19.9%	24.4%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	41 0 YoY -1 (-2.4%) QoQ	-18	58	70	482	42%
Assets per Employee ($)	$15.9M +9.9% YoY +4.6% QoQ	+$8.4M	$7.5M	$7.1M	$8.8M	98%
Branch Count	5 0 YoY 0 QoQ	0	4	6	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.6% -0.1pp YoY	+0.3pp	0.3%	0.4%	0.4%	86%
Nonaccrual	n/a	n/a	0.9%	0.8%	1.0%	n/a
Allowance Coverage	1.62x +30.0% YoY	-22.54x	24.15x	22.44x	20.23x	41%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	15.3% +2.2pp YoY -0.7pp QoQ	+3.1pp	12.2%	14.3%	11.6%	69%
Cost of Funds (YTD)	2.9% -0.3pp YoY 0.0pp QoQ	+1.2pp	1.7%	1.6%	1.7%	96%
Net Income ($, YTD)	$5.4M +32.3% YoY — QoQ	+$2.9M	$2.6M	$3.7M	$40.4M	90%

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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 (1)

Liquidity Strain

risk

#339 of 691 • Bottom 48.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.03%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Efficiency Ratio

profitability

Value: 38.95%

Peer Median: 64.48%

#85 of 2643 Top 3.2% in $100M-$1B

365

Total Loans

size

Value: $475.69M

Peer Median: $258.35M

#365 of 2643 Top 13.8% in $100M-$1B

413

Total Assets

size

Value: $650.81M

Peer Median: $386.57M

#413 of 2643 Top 15.6% in $100M-$1B

501

Total Deposits

size

Value: $511.32M

Peer Median: $326.73M

#501 of 2643 Top 18.9% in $100M-$1B

653

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.32%

#653 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2266

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2266 of 2643 Bottom 14.3% in $100M-$1B

2109

Loan-to-Deposit Ratio

liquidity

Value: 93.03%

Peer Median: 77.95%

#2109 of 2643 Bottom 20.2% in $100M-$1B