BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Alpha
Micro
Specialty: Agricultural
MN
FDIC cert 10571
Designations: ✓ Community bank
Alpha, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers and Merchants State Bank of Alpha faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$47.7M
+11.7% YoY
+9.2% QoQ
|
-$169.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$30.5M
+4.6% YoY
+7.3% QoQ
|
-$108.7M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$41.5M
+10.4% YoY
+10.6% QoQ
|
-$142.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
0.45%
+135.0% YoY
-13.2% QoQ
|
-0.64% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.66%
+10.1% YoY
+0.3% QoQ
|
-0.19% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
80.97%
+3.8% YoY
+6.2% QoQ
|
+13.24% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
0.15%
-85.9% YoY
-6.8% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
73.47%
-5.3% YoY
-3.0% QoQ
|
-1.06% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
16.75%
-24.8% YoY
+12.8% QoQ
|
-5.64% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.09%
-91.7% YoY
-8.5% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 15.77% | +6.91% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.05%
-75.7% YoY
+187.7% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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
75
75th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 8.85%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.47% · Tier avg: 74.53%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.75% · Tier avg: 22.39%
19
19th pctile
Efficiency Ratio
Current: 80.97% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
11
11th pctile
Total Loans
Current: $30.5M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $41.5M · Tier avg: $183.7M
7
7th pctile
Total Assets
Current: $47.7M · Tier avg: $217.5M
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
7
7th pctile
Total Assets
Current: $47.7M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $41.5M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $30.5M · Tier avg: $139.2M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 80.97% · Tier avg: 67.73%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.75% · Tier avg: 22.39%
42
42th pctile
Net Interest Margin
Current: 3.66% · Tier avg: 3.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.47% · Tier avg: 74.53%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.77% · Tier avg: 8.85%