BlastPoint's Banking Scorecard

Farmers & Merchants Bank of North Dakota

$100M-$1B Specialty: Agricultural ND FDIC cert 8640

Tolna, ND

3 branches across ND

2664 banks in the $100M-$1B peer group nationally 35 in ND

Farmers & Merchants Bank of North Dakota has 1 strength 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 0.28% below tier average

Key Concerns

Areas that may need attention

- ROA 0.64% below tier average
- Net Interest Margin 0.79% below tier average
- Efficiency Ratio 12.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (ND)	National Avg	Tier Percentile
Total Assets ?	$124.0M +4.7% YoY +4.3% QoQ	-$262.1M	$386.1M +0.5% YoY	$1.1B +4.5% YoY	$6.2B +9.1% YoY	Bottom 7.1% in tier
Total Loans ?	$44.3M -13.0% YoY -17.3% QoQ	-$211.4M	$255.7M +1.1% YoY	$779.7M +5.6% YoY	$3.2B +10.8% YoY	Bottom 2.1% in tier
Total Deposits ?	$111.4M +3.8% YoY +5.2% QoQ	-$216.5M	$328.0M +0.1% YoY	$930.6M +2.8% YoY	$4.8B +8.2% YoY	Bottom 9.2% in tier
Return on Assets ?	0.63% -3.4% YoY -30.0% QoQ	-0.64%	1.27% +12.9% YoY	1.38% +15.2% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	3.14% -2.1% YoY -9.4% QoQ	-0.79%	3.93% +6.0% YoY	3.69% +5.3% YoY	3.89% +5.7% YoY	16%
Efficiency Ratio ?	77.84% -2.1% YoY +7.9% QoQ	+12.55%	65.29% -4.5% YoY	60.25% -5.8% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.61% -69.3% YoY +22.3% QoQ	-0.28%	0.89% +18.8% YoY	0.92% +20.6% YoY	0.95% +18.8% YoY	40%
Loan-to-Deposit Ratio ?	39.78% -16.1% YoY -21.4% QoQ	-36.86%	76.64% +0.8% YoY	69.27% +0.4% YoY	76.70% +0.9% YoY	Top 4.4% in tier
Non-Interest-Bearing Deposit Share ?	24.41% -3.1% YoY +1.9% QoQ	+2.39%	22.02% -1.0% YoY	22.07% +2.0% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.22% -74.4% YoY -3.0% QoQ	-0.42%	0.64% +19.7% YoY	0.56% +12.7% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	19.17% +9.0% YoY +1.8% QoQ	+3.34%	15.83% +1.5% YoY	13.00% +1.5% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.04% -60.2% YoY -78.2% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +7.9% YoY	0.32% +4.1% YoY	17%

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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 (0)

No matched concern signatures this quarter

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)

118

Loan-to-Deposit Ratio

liquidity

Value: 39.78%

Peer Median: 76.64%

#118 of 2664 Top 4.4% in $100M-$1B

407

Tier 1 Capital Ratio

capital

Value: 19.17%

Peer Median: 15.83%

#407 of 2664 Top 15.2% in $100M-$1B

Top Weaknesses (7 metrics)

2609

Total Loans

size

Value: $44.33M

Peer Median: $255.72M

#2609 of 2664 Bottom 2.1% in $100M-$1B

2475

Total Assets

size

Value: $123.99M

Peer Median: $386.08M

#2475 of 2664 Bottom 7.1% in $100M-$1B

2420

Total Deposits

size

Value: $111.44M

Peer Median: $327.97M

#2420 of 2664 Bottom 9.2% in $100M-$1B

2242

Net Interest Margin

profitability

Value: 3.14%

Peer Median: 3.93%

#2242 of 2664 Bottom 15.9% in $100M-$1B

2220

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2220 of 2664 Bottom 16.7% in $100M-$1B

2207

Return on Assets

profitability

Value: 0.63%

Peer Median: 1.27%

#2207 of 2664 Bottom 17.2% in $100M-$1B

2178

Efficiency Ratio

profitability

Value: 77.84%

Peer Median: 65.29%

#2178 of 2664 Bottom 18.3% in $100M-$1B