BlastPoint's Banking Scorecard
Farmers and Merchants State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 15610
Designations: ✓ Community bank
Winterset, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Farmers and Merchants State Bank demonstrates 2 strengths
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$267.6M
+3.0% YoY
+4.0% QoQ
|
+$50.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
65% |
| Total Loans ? |
$163.3M
+9.7% YoY
+0.6% QoQ
|
+$24.1M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$238.2M
+2.3% YoY
+4.9% QoQ
|
+$54.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.24%
+4.5% YoY
-4.4% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.55%
+5.4% YoY
+0.7% QoQ
|
-0.30% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
54.79%
-4.8% YoY
+0.9% QoQ
|
-12.94% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
68.55%
+7.2% YoY
-4.1% QoQ
|
-5.97% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
29.96%
+9.6% YoY
+10.0% QoQ
|
+7.57% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
79% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.51%
-0.3% YoY
+1.8% QoQ
|
+6.66% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.31%
-5.6% YoY
+30.2% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
42% |
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%
82
82th pctile
Efficiency Ratio
Current: 54.79% · Tier avg: 67.73%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.96% · Tier avg: 22.39%
74
74th pctile
Tier 1 Capital Ratio
Current: 15.51% · Tier avg: 8.85%
68
68th pctile
Total Deposits
Current: $238.2M · Tier avg: $183.7M
65
65th pctile
Total Assets
Current: $267.6M · Tier avg: $217.5M
65
65th pctile
Total Loans
Current: $163.3M · Tier avg: $139.2M
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.55% · Tier avg: 74.53%
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
Top Weaknesses
37
37th pctile
Net Interest Margin
Current: 3.55% · Tier avg: 3.85%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
61
61th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.08%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.55% · Tier avg: 74.53%
65
65th pctile
Total Loans
Current: $163.3M · Tier avg: $139.2M
65
65th pctile
Total Assets
Current: $267.6M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $238.2M · Tier avg: $183.7M
74
74th pctile
Tier 1 Capital Ratio
Current: 15.51% · Tier avg: 8.85%
79
79th pctile
Non-Interest-Bearing Deposit Share
Current: 29.96% · Tier avg: 22.39%
82
82th pctile
Efficiency Ratio
Current: 54.79% · Tier avg: 67.73%
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%