BlastPoint's Banking Scorecard

Farmers and Merchants Bank of Ashland

$100M-$1B Specialty: Commercial NE FDIC cert 5377

Ashland, NE

4 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Farmers and Merchants Bank of Ashland has 5 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

+ Credit Quality Leader: Top 49.7% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.06% above tier average
+ Net Interest Margin 0.25% above tier average
+ Efficiency Ratio 4.21% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.4% in tier
- Liquidity Strain: Bottom 46.0% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$146.2M +4.3% YoY +1.4% QoQ	-$239.9M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Bottom 13.3% in tier
Total Loans ?	$115.3M +8.6% YoY -1.3% QoQ	-$140.4M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$122.6M +2.8% YoY +1.9% QoQ	-$205.4M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	Bottom 12.7% in tier
Return on Assets ?	1.33% +17.4% YoY +21.6% QoQ	+0.06%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	4.18% +15.9% YoY +5.4% QoQ	+0.25%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	67%
Efficiency Ratio ?	61.07% -3.1% YoY -2.1% QoQ	-4.21%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	57%
Delinquency Rate ?	0.00% -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	94.04% +5.7% YoY -3.1% QoQ	+17.40%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	23.74% -1.4% YoY +4.4% QoQ	+1.72%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	62%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.89% -27.2% YoY +2.4% QoQ	-5.94%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	Bottom 8.6% in tier
Non-Interest Income / Assets ?	0.09% -18.5% YoY -77.4% QoQ	-0.19%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	47%

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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 (1)

Credit Quality Leader

growth

#331 of 664 • Top 49.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank declining

Concerns (2)

Capital Thin

risk

#210 of 666 • Bottom 31.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.89%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#297 of 643 • Bottom 46.0% 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: 94.04%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (2 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

Top Weaknesses (5 metrics)

2437

Tier 1 Capital Ratio

capital

Value: 9.89%

Peer Median: 15.83%

#2437 of 2664 Bottom 8.6% in $100M-$1B

2327

Total Deposits

size

Value: $122.62M

Peer Median: $327.97M

#2327 of 2664 Bottom 12.7% in $100M-$1B

2310

Total Assets

size

Value: $146.23M

Peer Median: $386.08M

#2310 of 2664 Bottom 13.3% in $100M-$1B

2226

Loan-to-Deposit Ratio

liquidity

Value: 94.04%

Peer Median: 76.64%

#2226 of 2664 Bottom 16.5% in $100M-$1B

2013

Total Loans

size

Value: $115.31M

Peer Median: $255.72M

#2013 of 2664 Bottom 24.5% in $100M-$1B