BlastPoint's Banking Scorecard
The Farmers & Merchants State Bank
Archbold, OH
40 branches across OH · IN · MI
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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits +5.9% year over year ($2.9B on the books).
- Delinquency rate 0.28%.
- Return on assets 1.28%.
- Efficiency ratio 55.51% vs a 59.73% peer average.
- Loan-to-deposit ratio 93.26% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers & Merchants State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.22% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 10.0% in tier
- - Liquidity Strain: Bottom 16.3% in tier
- - ROA 0.11% below tier average
- - Net Interest Margin 0.33% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.5B
+4.6% YoY
+0.3% QoQ
|
+$697.2M |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
76% |
| Total Loans ? |
$2.7B
+2.8% YoY
+0.8% QoQ
|
+$716.8M |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$2.9B
+5.9% YoY
+2.1% QoQ
|
+$554.8M |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.28%
+37.7% YoY
+11.1% QoQ
|
-0.11% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
52% |
| Net Interest Margin ? |
3.54%
+9.5% YoY
+2.2% QoQ
|
-0.33% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
55.51%
-10.9% YoY
-3.7% QoQ
|
-4.22% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
61% |
| Delinquency Rate ? |
0.28%
+91.7% YoY
-33.8% QoQ
|
-0.59% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
93.26%
-2.9% YoY
-1.3% QoQ
|
+8.23% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
17.76%
-3.9% YoY
-5.0% QoQ
|
-3.51% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.21%
+88.5% YoY
-35.4% QoQ
|
-0.46% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
11.84%
+4.0% YoY
+0.8% QoQ
|
-3.00% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.28%
+21.6% YoY
+103.8% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.8%
-0.7pp YoY -0.9pp QoQ |
-3.6pp | 21.4% | 18.8% | 22.2% | 38% |
| Brokered Deposits |
1.0%
-0.2pp YoY 0.0pp QoQ |
-8.5pp | 9.5% | 7.7% | 8.5% | 18% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
+1.3pp YoY +1.0pp QoQ |
-1.4pp | 14.0% | 10.2% | 12.5% | 57% |
| CRE |
49.5%
-2.9pp YoY -0.7pp QoQ |
-0.6pp | 50.0% | 34.2% | 41.4% | 48% |
| 1-4 Family |
19.6%
-0.2pp YoY -0.1pp QoQ |
-6.8pp | 26.4% | 50.0% | 31.3% | 42% |
| Consumer |
1.9%
-0.4pp YoY -0.2pp QoQ |
-2.8pp | 4.7% | 4.7% | 5.0% | 61% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.4pp YoY +0.1pp QoQ |
-3.8pp | 15.6% | 22.1% | 19.7% | 20% |
| Leverage Ratio |
9.4%
+0.3pp YoY -0.1pp QoQ |
-1.9pp | 11.3% | 12.9% | 12.6% | 21% |
| Total Capital Ratio |
12.9%
+0.5pp YoY +0.1pp QoQ |
-3.8pp | 16.7% | 23.2% | 20.8% | 20% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
477
-11 (-2.3%) YoY +4 (+0.8%) QoQ |
+163 | 313 | 2,433 | 482 | 82% |
| Assets per Employee ($) |
$7.3M
+7.0% YoY -0.5% QoQ |
-$3.2M | $10.5M | $7.6M | $8.8M | 27% |
| Branch Count |
41
+1 (+2.5%) YoY 0 QoQ |
+21 | 20 | 81 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.1pp YoY -0.1pp QoQ |
-0.6pp | 0.8% | 0.6% | 1.0% | 28% |
| Allowance Coverage |
3.78x
-47.5% YoY +50.5% QoQ |
-14.93x | 18.71x | 18.95x | 20.23x | 71% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.1% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.2%
+2.7pp YoY +1.1pp QoQ |
-1.4pp | 12.6% | 9.7% | 11.6% | 43% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.7% | 1.7% | 57% |
| Net Income ($, YTD) |
$22.2M
+42.1% YoY — QoQ |
+$3.0M | $19.2M | $259.3M | $40.4M | 74% |
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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)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.