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 2.40% above tier average
- + Net Interest Margin 1.30% above tier average
- + Efficiency Ratio 54.21% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.51% 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
|
-$997K |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$48.2M
-0.5% YoY
-4.7% QoQ
|
+$14.0M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$53.3M
-0.3% YoY
+4.4% QoQ
|
+$1.6M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
51% |
| Return on Assets ? |
3.24%
+14.9% YoY
+4.4% QoQ
|
+2.40% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
Top 2.8% in tier |
| Net Interest Margin ? |
5.16%
+1.1% YoY
-0.5% QoQ
|
+1.30% |
3.86%
+2.8% 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
|
-54.21% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
Top 1.1% in tier |
| Delinquency Rate ? |
1.88%
+8.5% YoY
-3.5% QoQ
|
+0.51% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
90.42%
-0.2% YoY
-8.7% QoQ
|
+26.20% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
35.26%
+0.6% YoY
-2.0% QoQ
|
+11.54% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
Top 13.3% in tier |
| Nonperforming Asset Ratio ? |
1.48%
-29.1% YoY
-9.1% QoQ
|
+0.69% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.66%
+6.7% YoY
-6.9% QoQ
|
-14.02% |
26.68%
+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
|
-0.61% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
44% |
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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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