BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Agricultural
NE
FDIC cert 14275
Designations: ✓ Community bank
Milligan, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Farmers and Merchants Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.21% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 41.01% above tier
- - Non-Interest Income / Assets 0.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.1M
+12.6% YoY
+4.7% QoQ
|
-$12.4M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$179.2M
+21.5% YoY
+6.7% QoQ
|
+$40.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$155.1M
+11.6% YoY
+6.0% QoQ
|
-$28.6M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
1.64%
-12.4% YoY
+2.9% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.47%
-10.5% YoY
+1.2% QoQ
|
-0.38% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
43.52%
+4.1% YoY
-1.2% QoQ
|
-24.21% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.65%
+14.6% YoY
-6.0% QoQ
|
+0.01% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
115.54%
+8.8% YoY
+0.7% QoQ
|
+41.01% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.03%
-6.1% YoY
+5.0% QoQ
|
-12.36% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.56%
+23.6% YoY
-4.3% QoQ
|
+0.11% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.43%
-10.9% YoY
-3.0% QoQ
|
+4.58% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.04%
+3.2% YoY
+23.7% QoQ
|
-0.52% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.52%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
115.54%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.04%
(Tier avg: 0.56%, National avg: 0.65%)
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
96
96th pctile
Efficiency Ratio
Current: 43.52% · Tier avg: 67.73%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
69
69th pctile
Total Loans
Current: $179.2M · Tier avg: $139.2M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.43% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $205.1M · Tier avg: $217.5M
47
47th pctile
Total Deposits
Current: $155.1M · Tier avg: $183.7M
39
39th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
33
33th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.03% · Tier avg: 22.39%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
2
2th pctile
Loan-to-Deposit Ratio
Current: 115.54% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 115.54% · Tier avg: 74.53%
2
2th pctile
Non-Interest Income / Assets
Current: 0.04% · Tier avg: 0.56%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.03% · Tier avg: 22.39%
33
33th pctile
Net Interest Margin
Current: 3.47% · Tier avg: 3.85%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.45%
39
39th pctile
Delinquency Rate
Current: 0.65% · Tier avg: 0.64%
47
47th pctile
Total Deposits
Current: $155.1M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $205.1M · Tier avg: $217.5M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.43% · Tier avg: 8.85%
69
69th pctile
Total Loans
Current: $179.2M · Tier avg: $139.2M
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.52% · Tier avg: 67.73%