BlastPoint's Banking Scorecard
Farmers State Bank of Hoffman
Designations: ✓ Community bank
Hoffman, 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 -3.3% year over year ($32.7M on the books).
- Delinquency rate 2.13%.
- Return on assets 1.20%.
- Efficiency ratio 64.25% vs a 119.40% peer average.
- Loan-to-deposit ratio 47.16% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers State Bank of Hoffman has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 55.14% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.33% below tier average
- - Delinquency Rate 0.65% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$36.9M
-1.2% YoY
-3.7% QoQ
|
-$25.6M |
$62.4M
-0.0% YoY
|
$524.5M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
17% |
| Total Loans ? |
$15.4M
-1.1% YoY
+4.7% QoQ
|
-$19.5M |
$34.9M
-0.6% YoY
|
$300.2M
+7.3% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$32.7M
-3.3% YoY
-4.8% QoQ
|
-$18.9M |
$51.6M
-0.2% YoY
|
$452.1M
+5.5% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.20%
+18.9% YoY
+25.9% QoQ
|
+0.21% |
1.00%
+3.5% YoY
|
1.26%
+17.2% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.59%
+9.7% YoY
+4.8% QoQ
|
-0.33% |
3.91%
+2.3% YoY
|
4.00%
+6.8% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
64.25%
-6.5% YoY
-4.2% QoQ
|
-55.14% |
119.40%
+49.6% YoY
|
63.00%
-3.5% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? | 2.13% | +0.65% |
1.48%
+31.8% YoY
|
1.01%
+19.3% YoY
|
0.98%
+16.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
47.16%
+2.3% YoY
+10.0% QoQ
|
-27.05% |
74.21%
+12.6% YoY
|
78.29%
-0.6% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
28.99%
+5.0% YoY
+0.6% QoQ
|
+5.50% |
23.49%
+0.6% YoY
|
21.79%
+0.9% YoY
|
21.98%
-0.6% YoY
|
72% |
| Nonperforming Asset Ratio ? | 0.89% | +0.05% |
0.84%
+23.0% YoY
|
0.76%
+16.9% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
12.63%
-3.2% YoY
-3.0% QoQ
|
-14.49% |
27.13%
+3.0% YoY
|
15.35%
-0.4% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.05%
+13.9% YoY
+133.7% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.31%
+3.9% YoY
|
0.66%
+5.2% YoY
|
17% |
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 |
29.0%
+1.4pp YoY +0.2pp QoQ |
+4.4pp | 24.6% | 21.9% | 22.2% | 70% |
| 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 |
5.7%
+0.8pp YoY +0.4pp QoQ |
-7.7pp | 13.4% | 14.6% | 12.5% | 24% |
| CRE | n/a | n/a | 25.2% | 36.5% | 41.4% | n/a |
| 1-4 Family |
21.8%
-0.9pp YoY -1.6pp QoQ |
-13.2pp | 35.0% | 29.4% | 31.3% | 39% |
| Consumer |
6.7%
-1.5pp YoY -0.5pp QoQ |
-1.0pp | 7.7% | 4.5% | 5.0% | 62% |
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 |
12.6%
-0.4pp YoY -0.4pp QoQ |
-5.1pp | 17.7% | 11.0% | 12.6% | 48% |
| 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 |
6
-1 (-14.3%) YoY 0 QoQ |
-6 | 12 | 55 | 482 | 13% |
| Assets per Employee ($) |
$6.1M
+15.2% YoY -3.7% QoQ |
-$41K | $6.2M | $8.6M | $8.8M | 54% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 4 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 2.1% | +1.2pp | 1.0% | 0.4% | 0.4% | 89% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage | 0.61x | -5.80x | 6.41x | 20.41x | 20.23x | 29% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.3%
+0.1pp YoY +2.2pp QoQ |
+4.9pp | 6.4% | 13.1% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 31% |
| Net Income ($, YTD) |
$220,000
+22.9% YoY — QoQ |
-$98K | $317,817 | $4.5M | $40.4M | 40% |
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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.