BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Springfield
Micro
Specialty: Agricultural
MN
FDIC cert 13382
Designations: ✓ Community bank
Springfield, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers and Merchants State Bank of Springfield demonstrates 2 strengths
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 ? |
$141.4M
+2.5% YoY
+4.2% QoQ
|
-$76.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$90.8M
-3.4% YoY
+5.0% QoQ
|
-$48.4M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$121.5M
+0.3% YoY
+4.8% QoQ
|
-$62.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.62%
+25.4% YoY
-2.8% QoQ
|
+0.53% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.52%
+12.9% YoY
-0.3% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
80% |
| Efficiency Ratio ? |
57.41%
-7.4% YoY
+2.5% QoQ
|
-10.31% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? | 0.00% | -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 ? |
74.72%
-3.6% YoY
+0.2% QoQ
|
+0.19% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
19.66%
+7.3% YoY
+8.3% QoQ
|
-2.73% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
41% |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
15.31%
+12.6% YoY
-2.6% QoQ
|
+6.46% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.19%
+49.5% YoY
+59.2% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
21% |
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%
80
80th pctile
Net Interest Margin
Current: 4.52% · Tier avg: 3.85%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
75
75th pctile
Efficiency Ratio
Current: 57.41% · Tier avg: 67.73%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.31% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.72% · Tier avg: 74.53%
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.66% · Tier avg: 22.39%
39
39th pctile
Total Loans
Current: $90.8M · Tier avg: $139.2M
36
36th pctile
Total Deposits
Current: $121.5M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $141.4M · Tier avg: $217.5M
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
Top Weaknesses
21
21th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
35
35th pctile
Total Assets
Current: $141.4M · Tier avg: $217.5M
36
36th pctile
Total Deposits
Current: $121.5M · Tier avg: $183.7M
39
39th pctile
Total Loans
Current: $90.8M · Tier avg: $139.2M
41
41th pctile
Non-Interest-Bearing Deposit Share
Current: 19.66% · Tier avg: 22.39%
53
53th pctile
Loan-to-Deposit Ratio
Current: 74.72% · Tier avg: 74.53%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.31% · Tier avg: 8.85%
75
75th pctile
Efficiency Ratio
Current: 57.41% · Tier avg: 67.73%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.08%
80
80th pctile
Net Interest Margin
Current: 4.52% · 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%