BlastPoint's Banking Scorecard
Farmers and Merchants State Bank, Bloomfield, Nebraska
Micro
Specialty: Agricultural
NE
FDIC cert 13662
Designations: ✓ Community bank
Bloomfield, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Farmers and Merchants State Bank, Bloomfield, Nebraska shows strong momentum with 1 strength and 13.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.11% 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$219.1M
+13.7% YoY
+5.5% QoQ
|
+$1.6M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$144.6M
+4.3% YoY
+4.5% QoQ
|
+$5.4M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$187.5M
+8.9% YoY
+3.3% QoQ
|
+$3.8M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.70%
+7.4% YoY
-1.4% QoQ
|
+0.61% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.03%
-1.1% YoY
-0.0% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
46.61%
-7.5% YoY
+0.4% QoQ
|
-21.11% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.05%
-4.1% YoY
-34.6% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
77.13%
-4.2% YoY
+1.1% QoQ
|
+2.60% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
18.97%
+5.8% YoY
+22.2% QoQ
|
-3.42% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.03%
-12.1% YoY
-35.2% QoQ
|
-0.42% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
14.60%
+6.8% YoY
-0.7% QoQ
|
+5.75% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.23%
-13.1% YoY
+20.3% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.61%
(Tier avg: 67.73%, National avg: 65.09%)
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
93
93th pctile
Efficiency Ratio
Current: 46.61% · Tier avg: 67.73%
82
82th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.08%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
76
76th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.60% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
59
59th pctile
Total Loans
Current: $144.6M · Tier avg: $139.2M
56
56th pctile
Total Deposits
Current: $187.5M · Tier avg: $183.7M
56
56th pctile
Total Assets
Current: $219.1M · Tier avg: $217.5M
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.13% · Tier avg: 74.53%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.97% · Tier avg: 22.39%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.97% · Tier avg: 22.39%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.13% · Tier avg: 74.53%
56
56th pctile
Total Assets
Current: $219.1M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $187.5M · Tier avg: $183.7M
59
59th pctile
Total Loans
Current: $144.6M · Tier avg: $139.2M
60
60th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.60% · Tier avg: 8.85%
76
76th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
77
77th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.45%
82
82th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 46.61% · Tier avg: 67.73%