BlastPoint's Banking Scorecard

Farmers State Bank of Hamel

$100M-$1B Specialty: Mortgage MN FDIC cert 8214

Hamel, MN

2 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN

Farmers State Bank of Hamel has 3 strengths but faces 3 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 6.32% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 2.7% in tier
- Net Interest Margin 1.36% below tier average
- ROA 0.28% below tier average

Get updates when Farmers State Bank of Hamel releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Total Assets ?	$188.8M -2.6% YoY -5.7% QoQ	-$197.3M	$386.1M +0.5% YoY	$512.9M +5.5% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$67.9M -1.5% YoY +1.2% QoQ	-$187.8M	$255.7M +1.1% YoY	$288.3M +6.9% YoY	$3.2B +10.8% YoY	Bottom 6.9% in tier
Total Deposits ?	$176.4M -0.6% YoY -1.5% QoQ	-$151.6M	$328.0M +0.1% YoY	$443.8M +5.0% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	0.99% +8.6% YoY +28.4% QoQ	-0.28%	1.27% +12.9% YoY	1.13% +10.7% YoY	1.23% +13.4% YoY	37%
Net Interest Margin ?	2.57% +10.0% YoY +6.2% QoQ	-1.36%	3.93% +6.0% YoY	3.93% +7.5% YoY	3.89% +5.7% YoY	Bottom 3.7% in tier
Efficiency Ratio ?	58.97% -3.6% YoY -6.8% QoQ	-6.32%	65.29% -4.5% YoY	64.77% -3.3% YoY	66.95% -4.1% YoY	63%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.04% +28.9% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	38.50% -0.9% YoY +2.8% QoQ	-38.14%	76.64% +0.8% YoY	76.69% -0.4% YoY	76.70% +0.9% YoY	Top 3.8% in tier
Non-Interest-Bearing Deposit Share ?	28.75% +8.0% YoY +5.5% QoQ	+6.73%	22.02% -1.0% YoY	21.87% -0.9% YoY	22.01% -1.2% YoY	79%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.77% +27.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.36% -52.6% YoY -58.6% QoQ	-6.47%	15.83% +1.5% YoY	15.37% +0.7% YoY	17.06% +0.8% YoY	Bottom 3.0% in tier
Non-Interest Income / Assets ?	0.04% -36.0% YoY -76.6% QoQ	-0.24%	0.28% +9.3% YoY	0.16% +5.0% YoY	0.32% +4.1% YoY	16%

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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 (1)

Capital Thin

risk

#19 of 666 • Bottom 2.7% 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: 9.36%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

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 (4 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

101

Loan-to-Deposit Ratio

liquidity

Value: 38.50%

Peer Median: 76.64%

#101 of 2664 Top 3.8% in $100M-$1B

565

Non-Interest-Bearing Deposit Share

funding

Value: 28.75%

Peer Median: 22.02%

#565 of 2664 Top 21.2% in $100M-$1B

Top Weaknesses (5 metrics)

2586

Tier 1 Capital Ratio

capital

Value: 9.36%

Peer Median: 15.83%

#2586 of 2664 Bottom 3.0% in $100M-$1B

2567

Net Interest Margin

profitability

Value: 2.57%

Peer Median: 3.93%

#2567 of 2664 Bottom 3.7% in $100M-$1B

2482

Total Loans

size

Value: $67.91M

Peer Median: $255.72M

#2482 of 2664 Bottom 6.9% in $100M-$1B

2246

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2246 of 2664 Bottom 15.7% in $100M-$1B

2028

Total Assets

size

Value: $188.78M

Peer Median: $386.08M

#2028 of 2664 Bottom 23.9% in $100M-$1B