BlastPoint's Banking Scorecard
Farmers and Merchants Union Bank
Community
Specialty: Commercial
WI
FDIC cert 14445
Columbus, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
Farmers and Merchants Union Bank shows strong momentum with 2 strengths and 36.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$683.3M
+36.7% YoY
+3.4% QoQ
|
-$708.1M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$562.0M
+53.4% YoY
+7.2% QoQ
|
-$413.5M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$582.2M
+38.7% YoY
+3.6% QoQ
|
-$582.4M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.85%
-12.8% YoY
+13.5% QoQ
|
+0.68% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.46%
+22.1% YoY
+0.7% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
47.65%
+4.4% YoY
+1.7% QoQ
|
-14.98% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
96.53%
+10.6% YoY
+3.4% QoQ
|
+13.46% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
19.16%
-7.1% YoY
+1.2% QoQ
|
-1.88% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.22%
-12.0% YoY
+41.3% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, 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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
88
88th pctile
Efficiency Ratio
Current: 47.65% · Tier avg: 62.63%
88
88th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.16%
86
86th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.66%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.16% · Tier avg: 21.05%
38
38th pctile
Total Loans
Current: $562.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Deposits
Current: $582.2M · Tier avg: $1.2B
26
26th pctile
Total Assets
Current: $683.3M · Tier avg: $1.4B
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.53% · Tier avg: 83.06%
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
19
19th pctile
Loan-to-Deposit Ratio
Current: 96.53% · Tier avg: 83.06%
26
26th pctile
Total Assets
Current: $683.3M · Tier avg: $1.4B
26
26th pctile
Total Deposits
Current: $582.2M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
38
38th pctile
Total Loans
Current: $562.0M · Tier avg: $975.5M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 19.16% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.66%
88
88th pctile
Return on Assets
Current: 1.85% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.65% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%