BlastPoint's Banking Scorecard
Farmers State Bank of Underwood
Micro
Specialty: Commercial
MN
FDIC cert 10174
Designations: ✓ Community bank
Underwood, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers State Bank of Underwood shows strong momentum with 2 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.5M
+6.9% YoY
+3.1% QoQ
|
-$104.0M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$85.4M
+11.3% YoY
+6.9% QoQ
|
-$53.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$99.7M
+4.0% YoY
-1.1% QoQ
|
-$83.9M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
1.49%
+23.7% YoY
+10.1% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.94%
+9.8% YoY
+1.4% QoQ
|
+1.08% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
66.28%
-4.8% YoY
-1.8% QoQ
|
-1.45% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
85.68%
+7.1% YoY
+8.1% QoQ
|
+11.16% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
22.46%
+12.3% YoY
-2.3% QoQ
|
+0.07% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.43%
-1.1% YoY
-0.7% QoQ
|
+2.58% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.61%
+87.6% YoY
+160.0% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
89
89th pctile
Net Interest Margin
Current: 4.94% · Tier avg: 3.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
75
75th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.43% · Tier avg: 8.85%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.46% · Tier avg: 22.39%
50
50th pctile
Efficiency Ratio
Current: 66.28% · Tier avg: 67.73%
36
36th pctile
Total Loans
Current: $85.4M · Tier avg: $139.2M
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.68% · Tier avg: 74.53%
29
29th pctile
Total Deposits
Current: $99.7M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $113.5M · Tier avg: $217.5M
Top Weaknesses
27
27th pctile
Total Assets
Current: $113.5M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $99.7M · Tier avg: $183.7M
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.68% · Tier avg: 74.53%
36
36th pctile
Total Loans
Current: $85.4M · Tier avg: $139.2M
50
50th pctile
Efficiency Ratio
Current: 66.28% · Tier avg: 67.73%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.46% · Tier avg: 22.39%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.43% · Tier avg: 8.85%
75
75th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
78
78th pctile
Non-Interest Income / Assets
Current: 0.61% · Tier avg: 0.56%
89
89th pctile
Net Interest Margin
Current: 4.94% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%