BlastPoint's Banking Scorecard
Farmers & Merchants State Bank
Micro
Specialty: Commercial
WI
FDIC cert 13242
Designations: ✓ Community bank
Waterloo, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
Farmers & Merchants State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 39.51% above 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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$240.8M
+0.2% YoY
+0.6% QoQ
|
+$23.3M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$204.9M
+3.5% YoY
+1.0% QoQ
|
+$65.7M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$179.7M
+1.8% YoY
+1.2% QoQ
|
-$4.0M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.84%
+31.3% YoY
+24.5% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.14%
+12.9% YoY
+3.0% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
70.59%
-6.0% YoY
-6.7% QoQ
|
+2.86% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.00%
-1.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
114.04%
+1.7% YoY
-0.1% QoQ
|
+39.51% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.52%
+5.9% YoY
+9.9% QoQ
|
-0.87% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.00%
-0.6% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
+2.4% YoY
+38.7% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
114.04%
(Tier avg: 74.53%, National avg: 78.04%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.04% · Tier avg: 74.53%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
75
75th pctile
Total Loans
Current: $204.9M · Tier avg: $139.2M
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
60
60th pctile
Total Assets
Current: $240.8M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.7M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.52% · Tier avg: 22.39%
39
39th pctile
Efficiency Ratio
Current: 70.59% · Tier avg: 67.73%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
Top Weaknesses
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
36
36th pctile
Return on Assets
Current: 0.84% · Tier avg: 1.08%
39
39th pctile
Efficiency Ratio
Current: 70.59% · Tier avg: 67.73%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.52% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Total Deposits
Current: $179.7M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $240.8M · Tier avg: $217.5M
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
75
75th pctile
Total Loans
Current: $204.9M · Tier avg: $139.2M
83
83th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Loan-to-Deposit Ratio
Current: 114.04% · Tier avg: 74.53%