BlastPoint's Banking Scorecard
FM Bank
Community
Specialty: Agricultural
MN
FDIC cert 10998
Waseca, MN
1484
banks in Community tier nationally
45 in MN
View Community leaderboard (MN) →
FM Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.61% below tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 10% in Community
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$705.2M
+6.9% YoY
+0.8% QoQ
|
-$686.3M |
$1.4B
+2.0% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$465.5M
+16.3% YoY
+5.3% QoQ
|
-$510.0M |
$975.5M
+2.4% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$620.7M
+3.7% YoY
+7.6% QoQ
|
-$543.9M |
$1.2B
+1.7% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
1.12%
+19.8% YoY
-6.3% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
3.12%
+12.8% YoY
+2.5% QoQ
|
-0.55% |
3.66%
+9.1% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
59.52%
-10.3% YoY
+3.5% QoQ
|
-3.11% |
62.63%
-5.3% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.02%
-45.4% YoY
+69.1% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
75.00%
+12.1% YoY
-2.2% QoQ
|
-8.06% |
83.06%
+0.3% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
16.75%
-53.3% YoY
-3.8% QoQ
|
-4.29% |
21.05%
-0.9% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.14%
+561.0% YoY
|
-0.36% |
0.50%
+20.3% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
10.80%
+5.1% YoY
+0.7% QoQ
|
+0.55% |
10.24%
-0.6% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.13%
-8.1% YoY
+28.3% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 7%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (2)
NIB Deposit Bleed
decline
#10 of 89 · Bottom 10% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.75%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, 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
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
72
72th pctile
Loan-to-Deposit Ratio
Current: 75.00% · Tier avg: 83.06%
59
59th pctile
Efficiency Ratio
Current: 59.52% · Tier avg: 62.63%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.80% · Tier avg: 10.24%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.75% · Tier avg: 21.05%
30
30th pctile
Total Deposits
Current: $620.7M · Tier avg: $1.2B
27
27th pctile
Total Assets
Current: $705.2M · Tier avg: $1.4B
25
25th pctile
Total Loans
Current: $465.5M · Tier avg: $975.5M
21
21th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
21
21th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
25
25th pctile
Total Loans
Current: $465.5M · Tier avg: $975.5M
27
27th pctile
Total Assets
Current: $705.2M · Tier avg: $1.4B
30
30th pctile
Total Deposits
Current: $620.7M · Tier avg: $1.2B
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.75% · Tier avg: 21.05%
35
35th pctile
Tier 1 Capital Ratio
Current: 10.80% · Tier avg: 10.24%
49
49th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
59
59th pctile
Efficiency Ratio
Current: 59.52% · Tier avg: 62.63%
72
72th pctile
Loan-to-Deposit Ratio
Current: 75.00% · Tier avg: 83.06%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%