BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Other
IN
FDIC cert 13801
Designations: ✓ Community bank
Laotto, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Farmers and Merchants Bank shows strong momentum with 2 strengths and 20.2% YoY asset growth
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 (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$304.6M
+20.2% YoY
+1.7% QoQ
|
+$87.1M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$186.0M
+12.3% YoY
+4.6% QoQ
|
+$46.8M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$280.0M
+20.0% YoY
+1.7% QoQ
|
+$96.4M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
77% |
| Return on Assets ? |
1.23%
+14.5% YoY
+4.6% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.03%
+10.4% YoY
+2.4% QoQ
|
-0.83% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
58.82%
-6.1% YoY
-1.0% QoQ
|
-8.91% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
66.42%
-6.4% YoY
+2.9% QoQ
|
-8.10% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
17.23%
+4.1% YoY
+2.4% QoQ
|
-5.17% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 11.30% | +2.45% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
56% |
| Non-Interest Income / Assets ? |
0.33%
-9.7% YoY
+34.2% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
45% |
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%
77
77th pctile
Total Deposits
Current: $280.0M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $304.6M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $186.0M · Tier avg: $139.2M
70
70th pctile
Efficiency Ratio
Current: 58.82% · Tier avg: 67.73%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.42% · Tier avg: 74.53%
61
61th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 8.85%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.23% · Tier avg: 22.39%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
Top Weaknesses
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.23% · Tier avg: 22.39%
45
45th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
56
56th pctile
Tier 1 Capital Ratio
Current: 11.30% · Tier avg: 8.85%
61
61th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.42% · Tier avg: 74.53%
70
70th pctile
Efficiency Ratio
Current: 58.82% · Tier avg: 67.73%
70
70th pctile
Total Loans
Current: $186.0M · Tier avg: $139.2M
73
73th pctile
Total Assets
Current: $304.6M · Tier avg: $217.5M
77
77th pctile
Total Deposits
Current: $280.0M · Tier avg: $183.7M
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%