BlastPoint's Banking Scorecard
Farmers State Bank of Hamel
Hamel, MN
2 branches across MN
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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 151 in MN.
- Deposits -0.8% year over year ($185.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.87%.
- Efficiency ratio 61.58% vs a 64.48% peer average.
- Loan-to-deposit ratio 34.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Hamel has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 2.90% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 2.0% in tier
- - Net Interest Margin 1.35% below tier average
- - ROA 0.45% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.3M
-3.2% YoY
+5.1% QoQ
|
-$188.2M |
$386.6M
+1.2% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$64.1M
-4.6% YoY
-5.5% QoQ
|
-$194.2M |
$258.3M
+1.7% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.4% in tier |
| Total Deposits ? |
$185.1M
-0.8% YoY
+4.9% QoQ
|
-$141.7M |
$326.7M
+0.7% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
0.87%
+12.6% YoY
-12.3% QoQ
|
-0.45% |
1.32%
+10.8% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
27% |
| Net Interest Margin ? |
2.64%
+13.6% YoY
+2.8% QoQ
|
-1.35% |
3.99%
+5.0% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.2% in tier |
| Efficiency Ratio ? |
61.58%
-5.0% YoY
+4.4% QoQ
|
-2.90% |
64.48%
-3.2% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
34.66%
-3.8% YoY
-10.0% QoQ
|
-43.29% |
77.95%
+1.0% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Top 2.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.42%
+4.9% YoY
-8.1% QoQ
|
+4.39% |
22.03%
-0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.52%
-53.7% YoY
+1.8% QoQ
|
-6.39% |
15.91%
+1.4% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
-17.0% YoY
+92.7% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.8% in tier |
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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.4%
+1.2pp YoY -2.3pp QoQ |
+4.3pp | 22.1% | 21.9% | 22.2% | 71% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.3% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.8%
+0.3pp YoY -1.0pp QoQ |
-4.8pp | 11.6% | 14.6% | 12.5% | 31% |
| CRE |
48.3%
-3.2pp YoY +2.0pp QoQ |
+8.8pp | 39.5% | 36.5% | 41.4% | 68% |
| 1-4 Family |
45.4%
+3.2pp YoY -1.1pp QoQ |
+12.7pp | 32.6% | 29.4% | 31.3% | 77% |
| Consumer |
1.0%
-0.3pp YoY +0.1pp QoQ |
-3.1pp | 4.1% | 4.5% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
9.5%
+0.9pp YoY +0.2pp QoQ |
-2.6pp | 12.2% | 11.0% | 12.6% | 22% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
+1 (+4.5%) YoY 0 QoQ |
-36 | 58 | 55 | 482 | 15% |
| Assets per Employee ($) |
$8.6M
-7.4% YoY +5.1% QoQ |
+$1.1M | $7.5M | $8.6M | $8.8M | 76% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 4 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 20.41x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.8%
-4.8pp YoY -1.9pp QoQ |
+1.6pp | 12.2% | 13.1% | 11.6% | 61% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.7% | 1.7% | 33% |
| Net Income ($, YTD) |
$853,000
+11.5% YoY — QoQ |
-$1.7M | $2.6M | $4.5M | $40.4M | 22% |
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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 (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.