BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Appleton
Designations: ✓ Community bank
Appleton, 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 536 banks in the under $100M peer group nationwide — 1 of 52 in MN.
- Deposits +4.7% year over year ($53.8M on the books).
- Delinquency rate 1.94%.
- Return on assets 3.27%.
- Efficiency ratio 33.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 92.86% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants State Bank of Appleton has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.27% above tier average
- + Net Interest Margin 1.21% above tier average
- + Efficiency Ratio 85.97% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$62.0M
+4.4% YoY
+1.3% QoQ
|
-$466K |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$50.0M
-1.0% YoY
+3.6% QoQ
|
+$15.1M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$53.8M
+4.7% YoY
+0.9% QoQ
|
+$2.2M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
51% |
| Return on Assets ? |
3.27%
+18.0% YoY
+1.0% QoQ
|
+2.27% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
Top 2.8% in tier |
| Net Interest Margin ? |
5.12%
-0.3% YoY
-0.7% QoQ
|
+1.21% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
Top 9.7% in tier |
| Efficiency Ratio ? |
33.42%
-16.8% YoY
-2.1% QoQ
|
-85.97% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
Top 1.3% in tier |
| Delinquency Rate ? |
1.94%
+20.6% YoY
+3.1% QoQ
|
+0.46% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
92.86%
-5.5% YoY
+2.7% QoQ
|
+18.65% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 14.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.59%
+5.0% YoY
+0.9% QoQ
|
+12.10% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 13.2% in tier |
| Nonperforming Asset Ratio ? |
1.56%
-25.3% YoY
+5.4% QoQ
|
+0.73% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
15% |
| Tier 1 Capital Ratio ? |
12.99%
+2.1% YoY
+2.6% QoQ
|
-14.13% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.11%
-2.7% YoY
+106.6% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
43% |
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 |
35.6%
+1.7pp YoY +0.3pp QoQ |
+10.9pp | 24.6% | 21.9% | 22.2% | 86% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
8.2%
-1.0pp YoY -0.9pp QoQ |
-5.2pp | 13.4% | 14.6% | 12.5% | 41% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
3.1%
+0.7pp YoY +0.6pp QoQ |
-31.9pp | 35.0% | 29.4% | 31.3% | 10% |
| Consumer |
3.6%
+0.7pp YoY +0.7pp QoQ |
-4.1pp | 7.7% | 4.5% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 16.5% | 19.7% | n/a |
| Leverage Ratio |
13.0%
+0.3pp YoY +0.3pp QoQ |
-4.7pp | 17.7% | 11.0% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 39.7% | 17.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-4 | 12 | 55 | 482 | 29% |
| Assets per Employee ($) |
$7.7M
+4.4% YoY +1.3% QoQ |
+$1.6M | $6.2M | $8.6M | $8.8M | 76% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.6pp YoY +0.1pp QoQ |
-0.4pp | 1.0% | 0.4% | 0.4% | 57% |
| Nonaccrual |
1.3%
-0.3pp YoY -0.1pp QoQ |
-0.4pp | 1.7% | 1.0% | 1.0% | 64% |
| Allowance Coverage |
1.23x
-14.1% YoY -6.0% QoQ |
-5.18x | 6.41x | 20.41x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
25.1%
+2.4pp YoY +0.3pp QoQ |
+18.7pp | 6.4% | 13.1% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.7% | 1.7% | 44% |
| Net Income ($, YTD) |
$1.0M
+19.5% YoY — QoQ |
+$682K | $317,817 | $4.5M | $40.4M | 96% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.