BlastPoint's Banking Scorecard
Farmers & Merchants Savings Bank
Manchester, IA
7 branches across IA · MN
Farmers & Merchants Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Efficiency Ratio 5.77% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 6.8% in tier
- - Margin Compression: Bottom 18.7% in tier
- - Flatlined Growth: Bottom 33.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$595.3M
-0.8% YoY
+0.3% QoQ
|
+$209.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
80% |
| Total Loans ? |
$428.7M
+3.7% YoY
+0.2% QoQ
|
+$172.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$514.7M
+0.8% YoY
+0.1% QoQ
|
+$186.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.10%
-15.5% YoY
+53.8% QoQ
|
-0.17% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
44% |
| Net Interest Margin ? |
4.46%
+16.7% YoY
+6.2% QoQ
|
+0.53% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
81% |
| Efficiency Ratio ? |
59.52%
-8.7% YoY
-9.0% QoQ
|
-5.77% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
1.67%
+1.7% YoY
+362.1% QoQ
|
+0.79% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
83.28%
+2.9% YoY
+0.0% QoQ
|
+6.64% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
25.26%
+0.8% YoY
-5.6% QoQ
|
+3.24% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.21%
+6.2% YoY
+361.7% QoQ
|
+0.57% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
16% |
| Tier 1 Capital Ratio ? |
15.53%
-3.4% YoY
+10.7% QoQ
|
-0.30% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.06%
-0.8% YoY
-76.6% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
28% |
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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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.