BlastPoint's Banking Scorecard
Farmers and Merchants State Bank
Plankinton, SD
2 branches across SD
Farmers and Merchants State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.34% above tier average
- + Net Interest Margin 0.95% above tier average
- + Efficiency Ratio 25.19% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.25% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (SD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.9M
+3.6% YoY
-4.9% QoQ
|
-$213.2M |
$386.1M
+0.5% YoY
|
$68.7B
+9.0% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$137.1M
+11.1% YoY
-3.7% QoQ
|
-$118.6M |
$255.7M
+1.1% YoY
|
$30.8B
+10.3% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$140.8M
+8.6% YoY
-8.0% QoQ
|
-$187.2M |
$328.0M
+0.1% YoY
|
$54.8B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
2.60%
-3.2% YoY
-1.9% QoQ
|
+1.34% |
1.27%
+12.9% YoY
|
1.41%
+1.8% YoY
|
1.23%
+13.4% YoY
|
Top 3.8% in tier |
| Net Interest Margin ? |
4.88%
+2.5% YoY
-1.5% QoQ
|
+0.95% |
3.93%
+6.0% YoY
|
4.19%
+0.4% YoY
|
3.89%
+5.7% YoY
|
Top 9.2% in tier |
| Efficiency Ratio ? |
40.10%
-3.4% YoY
+1.2% QoQ
|
-25.19% |
65.29%
-4.5% YoY
|
64.00%
-0.6% YoY
|
66.95%
-4.1% YoY
|
Top 4.2% in tier |
| Delinquency Rate ? |
1.14%
+29.3% YoY
+98.6% QoQ
|
+0.25% |
0.89%
+18.8% YoY
|
0.59%
+45.1% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
97.39%
+2.2% YoY
+4.7% QoQ
|
+20.76% |
76.64%
+0.8% YoY
|
71.70%
+0.3% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.35%
-1.2% YoY
+35.9% QoQ
|
+1.33% |
22.02%
-1.0% YoY
|
23.74%
-0.7% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.90%
+38.6% YoY
+101.1% QoQ
|
+0.27% |
0.64%
+19.7% YoY
|
0.41%
+39.3% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
12.00%
-6.5% YoY
+6.2% QoQ
|
-3.83% |
15.83%
+1.5% YoY
|
15.79%
+0.8% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.08%
+0.8% YoY
-76.1% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.27%
+0.0% YoY
|
0.32%
+4.1% YoY
|
40% |
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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.
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Metric Rankings
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