BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Appleton
Designations: ✓ Community bank
Appleton, MN
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 2.38% above tier average
- + Net Interest Margin 1.29% above tier average
- + Efficiency Ratio 53.49% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.52% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.2M
+0.6% YoY
+1.2% QoQ
|
-$1.1M |
$62.3M
-0.5% YoY
|
$514.9M
+5.5% YoY
|
$6.2B
+9.0% YoY
|
46% |
| Total Loans ? |
$48.2M
-0.5% YoY
-4.7% QoQ
|
+$13.9M |
$34.3M
-1.5% YoY
|
$289.5M
+6.9% YoY
|
$3.2B
+10.7% YoY
|
74% |
| Total Deposits ? |
$53.3M
-0.3% YoY
+4.4% QoQ
|
+$1.5M |
$51.8M
-0.6% YoY
|
$445.6M
+5.0% YoY
|
$4.8B
+8.0% YoY
|
51% |
| Return on Assets ? |
3.24%
+14.9% YoY
+4.4% QoQ
|
+2.38% |
0.86%
-3.6% YoY
|
1.14%
+11.1% YoY
|
1.24%
+13.1% YoY
|
Top 2.8% in tier |
| Net Interest Margin ? |
5.16%
+1.1% YoY
-0.5% QoQ
|
+1.29% |
3.87%
+2.7% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.4% in tier |
| Efficiency Ratio ? |
34.14%
-11.9% YoY
-11.9% QoQ
|
-53.49% |
87.63%
+2.3% YoY
|
64.52%
-3.4% YoY
|
66.84%
-3.8% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
1.88%
+8.5% YoY
-3.5% QoQ
|
+0.52% |
1.36%
+33.7% YoY
|
1.04%
+28.5% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
90.42%
-0.2% YoY
-8.7% QoQ
|
+26.31% |
64.11%
-0.9% YoY
|
76.74%
-0.5% YoY
|
76.69%
+0.9% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
35.26%
+0.6% YoY
-2.0% QoQ
|
+11.47% |
23.79%
+0.5% YoY
|
21.89%
-0.8% YoY
|
22.01%
-1.1% YoY
|
Top 13.4% in tier |
| Nonperforming Asset Ratio ? |
1.48%
-29.1% YoY
-9.1% QoQ
|
+0.71% |
0.77%
+28.7% YoY
|
0.77%
+26.8% YoY
|
0.66%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.66%
+6.7% YoY
-6.9% QoQ
|
-14.11% |
26.77%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.05%
+2.6% YoY
-91.5% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.15%
+3.6% YoY
|
0.32%
+4.0% YoY
|
45% |
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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
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