BlastPoint's Banking Scorecard

Farmers & Merchants Bank of Colby

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

Colby, KS

5 branches across CO · KS

2664 banks in the $100M-$1B peer group nationally 118 in KS

Farmers & Merchants Bank of Colby has 4 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 28.74% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.48% above tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 13.67% below tier average
- Net Interest Margin 0.23% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$637.1M +7.6% YoY -0.4% QoQ	+$251.0M	$386.1M +0.5% YoY	$509.2M +7.2% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$458.1M +11.9% YoY +0.6% QoQ	+$202.4M	$255.7M +1.1% YoY	$338.5M +8.8% YoY	$3.2B +10.8% YoY	Top 14.9% in tier
Total Deposits ?	$499.9M +8.6% YoY -0.8% QoQ	+$172.0M	$328.0M +0.1% YoY	$424.4M +7.3% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.75% +27.0% YoY +24.9% QoQ	+0.48%	1.27% +12.9% YoY	1.40% +19.8% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	3.70% +10.9% YoY +5.7% QoQ	-0.23%	3.93% +6.0% YoY	3.92% +4.5% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	36.55% -12.6% YoY -15.8% QoQ	-28.74%	65.29% -4.5% YoY	62.29% -5.0% YoY	66.95% -4.1% YoY	Top 2.3% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.77% +10.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.63% +3.0% YoY +1.5% QoQ	+14.99%	76.64% +0.8% YoY	71.79% +1.2% YoY	76.70% +0.9% YoY	21%
Non-Interest-Bearing Deposit Share ?	8.35% +28.3% YoY -5.4% QoQ	-13.67%	22.02% -1.0% YoY	22.83% -2.0% YoY	22.01% -1.2% YoY	Bottom 7.8% in tier
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.51% +12.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.05% +2.7% YoY +0.4% QoQ	-4.78%	15.83% +1.5% YoY	17.98% -0.9% YoY	17.06% +0.8% YoY	23%
Non-Interest Income / Assets ?	0.04% +13.4% YoY -75.1% QoQ	-0.24%	0.28% +9.3% YoY	0.28% -1.8% YoY	0.32% +4.1% YoY	17%

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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 (0)

No matched concern signatures this quarter

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 (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 36.55%

Peer Median: 65.29%

#61 of 2664 Top 2.3% in $100M-$1B

398

Total Loans

size

Value: $458.09M

Peer Median: $255.72M

#398 of 2664 Top 14.9% in $100M-$1B

448

Total Assets

size

Value: $637.08M

Peer Median: $386.08M

#448 of 2664 Top 16.8% in $100M-$1B

543

Total Deposits

size

Value: $499.94M

Peer Median: $327.97M

#543 of 2664 Top 20.3% in $100M-$1B

551

Return on Assets

profitability

Value: 1.75%

Peer Median: 1.27%

#551 of 2664 Top 20.6% in $100M-$1B

Top Weaknesses (4 metrics)

2457

Non-Interest-Bearing Deposit Share

funding

Value: 8.35%

Peer Median: 22.02%

#2457 of 2664 Bottom 7.8% in $100M-$1B

2219

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2219 of 2664 Bottom 16.7% in $100M-$1B

2096

Loan-to-Deposit Ratio

liquidity

Value: 91.63%

Peer Median: 76.64%

#2096 of 2664 Bottom 21.4% in $100M-$1B

2039

Tier 1 Capital Ratio

capital

Value: 11.05%

Peer Median: 15.83%

#2039 of 2664 Bottom 23.5% in $100M-$1B