BlastPoint's Banking Scorecard
Farmers and Merchants Bank of Mound City, Kansas
Micro
Specialty: Other
KS
FDIC cert 14024
Designations: ✓ Community bank
Mound City, KS
2498
banks in Micro tier nationally
145 in KS
View Micro leaderboard (KS) →
Farmers and Merchants Bank of Mound City, Kansas shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$57.6M
+1.1% YoY
-4.3% QoQ
|
-$159.9M |
$217.5M
+2.3% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$37.3M
-0.7% YoY
-1.5% QoQ
|
-$101.8M |
$139.2M
+2.8% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$52.8M
+1.3% YoY
-4.7% QoQ
|
-$130.9M |
$183.7M
+1.8% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.04%
+6.8% YoY
-6.3% QoQ
|
-0.05% |
1.08%
+14.7% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.81%
+1.2% YoY
+0.2% QoQ
|
-0.04% |
3.85%
+6.6% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
71.67%
-1.9% YoY
+3.0% QoQ
|
+3.95% |
67.73%
-4.8% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.05%
+6.3% YoY
-91.6% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
70.75%
-2.0% YoY
+3.4% QoQ
|
-3.78% |
74.53%
+0.5% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
26.42%
+10.4% YoY
+4.1% QoQ
|
+4.03% |
22.39%
-1.3% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.06%
+103.3% YoY
-83.1% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.71%
+9.9% YoY
+4.6% QoQ
|
+3.86% |
8.85%
-3.4% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.15%
-29.3% YoY
+48.0% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
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
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.42% · Tier avg: 22.39%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.71% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
48
48th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.75% · Tier avg: 74.53%
36
36th pctile
Efficiency Ratio
Current: 71.67% · Tier avg: 67.73%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
14
14th pctile
Total Loans
Current: $37.3M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $52.8M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
Top Weaknesses
9
9th pctile
Total Assets
Current: $57.6M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $52.8M · Tier avg: $183.7M
14
14th pctile
Total Loans
Current: $37.3M · Tier avg: $139.2M
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
36
36th pctile
Efficiency Ratio
Current: 71.67% · Tier avg: 67.73%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.75% · Tier avg: 74.53%
48
48th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
50
50th pctile
Net Interest Margin
Current: 3.81% · Tier avg: 3.85%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.71% · Tier avg: 8.85%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.42% · Tier avg: 22.39%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%