BlastPoint's Banking Scorecard
The Farmers & Merchants State Bank
Archbold, OH
41 branches across OH · IN · MI
The Farmers & Merchants State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.44% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22.8% in tier
- - Credit Risk Growth: Bottom 24.0% in tier
- - ROA 0.21% below tier average
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+2.9% YoY
+1.5% QoQ
|
+$663.6M |
$2.8B
-0.1% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$2.7B
+4.0% YoY
-1.1% QoQ
|
+$694.9M |
$2.0B
+0.6% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$2.8B
+4.2% YoY
+2.9% QoQ
|
+$472.5M |
$2.3B
-0.3% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
1.15%
+31.8% YoY
+11.6% QoQ
|
-0.21% |
1.37%
+19.6% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
3.47%
+11.4% YoY
+2.7% QoQ
|
-0.35% |
3.82%
+6.9% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
57.62%
-9.3% YoY
-3.7% QoQ
|
-3.44% |
61.06%
-4.6% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.42%
+136.9% YoY
-0.5% QoQ
|
-0.47% |
0.89%
+14.1% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
94.46%
-0.2% YoY
-4.0% QoQ
|
+10.25% |
84.20%
+0.3% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
18.70%
+0.1% YoY
-3.8% QoQ
|
-2.59% |
21.29%
-2.5% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.33%
+146.2% YoY
-0.4% QoQ
|
-0.35% |
0.67%
+15.6% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
60% |
| Tier 1 Capital Ratio ? |
11.74%
+3.3% YoY
+2.1% QoQ
|
-3.42% |
15.16%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.14%
+16.1% YoY
-69.7% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
48% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.