BlastPoint's Banking Scorecard
Farmers & Merchants Bank & Trust
Micro
Specialty: Other
IA
FDIC cert 13737
Designations: ✓ Community bank
Burlington, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers & Merchants Bank & Trust demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.20% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$212.7M
-1.5% YoY
-0.1% QoQ
|
-$4.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$124.1M
+4.4% YoY
+1.2% QoQ
|
-$15.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$180.7M
-1.8% YoY
-2.3% QoQ
|
-$2.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.59%
+56.3% YoY
+7.6% QoQ
|
-0.49% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.31%
+19.3% YoY
+1.9% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
82.13%
-7.3% YoY
-1.9% QoQ
|
+14.40% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
0.97%
+575.9% YoY
-20.7% QoQ
|
+0.33% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
68.69%
+6.3% YoY
+3.6% QoQ
|
-5.84% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
12.64%
-17.4% YoY
+4.8% QoQ
|
-9.75% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.57%
+616.6% YoY
-19.7% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
16.75%
+2.5% YoY
+0.1% QoQ
|
+7.90% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
1.76%
+5.9% YoY
+35.6% QoQ
|
+1.20% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 3%
in Micro
Why this stands out
Current:
1.76%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.56%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.75% · Tier avg: 8.85%
54
54th pctile
Total Deposits
Current: $180.7M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $212.7M · Tier avg: $217.5M
51
51th pctile
Total Loans
Current: $124.1M · Tier avg: $139.2M
36
36th pctile
Loan-to-Deposit Ratio
Current: 68.69% · Tier avg: 74.53%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
29
29th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
17
17th pctile
Efficiency Ratio
Current: 82.13% · Tier avg: 67.73%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.64% · Tier avg: 22.39%
Top Weaknesses
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.64% · Tier avg: 22.39%
17
17th pctile
Efficiency Ratio
Current: 82.13% · Tier avg: 67.73%
22
22th pctile
Return on Assets
Current: 0.59% · Tier avg: 1.08%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
29
29th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
36
36th pctile
Loan-to-Deposit Ratio
Current: 68.69% · Tier avg: 74.53%
51
51th pctile
Total Loans
Current: $124.1M · Tier avg: $139.2M
54
54th pctile
Total Assets
Current: $212.7M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $180.7M · Tier avg: $183.7M
79
79th pctile
Tier 1 Capital Ratio
Current: 16.75% · Tier avg: 8.85%
97
97th pctile
Non-Interest Income / Assets
Current: 1.76% · Tier avg: 0.56%