BlastPoint's Banking Scorecard
Farmers State Bank of Hoffman
Designations: ✓ Community bank
Hoffman, MN
Farmers State Bank of Hoffman has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.37% below tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + ROA 0.12% above tier average
- + Efficiency Ratio 21.24% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.44% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$38.3M
+10.0% YoY
+11.0% QoQ
|
-$23.9M |
$62.2M
-0.6% YoY
|
$512.9M
+5.5% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$14.7M
-1.5% YoY
-6.5% QoQ
|
-$19.5M |
$34.2M
-1.4% YoY
|
$288.3M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$34.4M
+9.0% YoY
+12.7% QoQ
|
-$17.4M |
$51.7M
-0.7% YoY
|
$443.8M
+5.0% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.96%
-1.0% YoY
+9.2% QoQ
|
+0.12% |
0.84%
-2.3% YoY
|
1.13%
+10.7% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.42%
+4.6% YoY
+1.9% QoQ
|
-0.44% |
3.86%
+2.8% YoY
|
3.93%
+7.5% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
67.10%
-4.0% YoY
-3.7% QoQ
|
-21.24% |
88.34%
+0.3% YoY
|
64.77%
-3.3% YoY
|
66.95%
-4.1% YoY
|
60% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
1.04%
+28.9% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
42.87%
-9.6% YoY
-17.1% QoQ
|
-21.34% |
64.22%
-0.7% YoY
|
76.69%
-0.4% YoY
|
76.70%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
28.82%
+4.6% YoY
-1.9% QoQ
|
+5.10% |
23.71%
+0.3% YoY
|
21.87%
-0.9% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.77%
+27.1% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.02%
-3.0% YoY
-5.0% QoQ
|
-13.66% |
26.68%
+2.0% YoY
|
15.37%
+0.7% YoY
|
17.06%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.02%
+3.9% YoY
-79.4% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.16%
+5.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.2% in tier |
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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.