BlastPoint's Banking Scorecard
The Farmers & Merchants Bank
Community
Specialty: Commercial
WI
FDIC cert 15779
Berlin, WI
1484
banks in Community tier nationally
63 in WI
View Community leaderboard (WI) →
The Farmers & Merchants Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.15% above tier
- - Non-Interest-Bearing Deposit Share 12.82% below tier
- - Nonperforming Asset Ratio 1.63% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$954.1M
+1.8% YoY
-0.7% QoQ
|
-$437.3M |
$1.4B
+2.0% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$732.8M
+0.2% YoY
+0.8% QoQ
|
-$242.7M |
$975.5M
+2.4% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$826.4M
+3.7% YoY
-1.2% QoQ
|
-$338.2M |
$1.2B
+1.7% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.21%
+18.5% YoY
-6.0% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.27%
+5.1% YoY
+1.9% QoQ
|
-0.40% |
3.66%
+9.1% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
53.39%
+3.0% YoY
+12.0% QoQ
|
-9.24% |
62.63%
-5.3% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
2.78%
+211.4% YoY
-5.4% QoQ
|
+2.15% |
0.63%
+18.3% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
88.67%
-3.4% YoY
+2.0% QoQ
|
+5.61% |
83.06%
+0.3% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
8.22%
+15.3% YoY
+9.1% QoQ
|
-12.82% |
21.05%
-0.9% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
2.13%
+206.5% YoY
-4.0% QoQ
|
+1.63% |
0.50%
+20.3% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
12.31%
+11.0% YoY
+0.4% QoQ
|
+2.07% |
10.24%
-0.6% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.48%
+124.4% YoY
+178.5% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.78%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.22%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.13%
(Tier avg: 0.50%, National avg: 0.48%)
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
76
76th pctile
Efficiency Ratio
Current: 53.39% · Tier avg: 62.63%
61
61th pctile
Loan-to-Deposit Ratio
Current: 88.67% · Tier avg: 83.06%
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
52
52th pctile
Total Loans
Current: $732.8M · Tier avg: $975.5M
50
50th pctile
Tier 1 Capital Ratio
Current: 12.31% · Tier avg: 10.24%
49
49th pctile
Total Deposits
Current: $826.4M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $954.1M · Tier avg: $1.4B
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.22% · Tier avg: 21.05%
5
5th pctile
Delinquency Rate
Current: 2.78% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.13% · Tier avg: 0.50%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.13% · Tier avg: 0.50%
5
5th pctile
Delinquency Rate
Current: 2.78% · Tier avg: 0.63%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.22% · Tier avg: 21.05%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
47
47th pctile
Total Assets
Current: $954.1M · Tier avg: $1.4B
49
49th pctile
Total Deposits
Current: $826.4M · Tier avg: $1.2B
50
50th pctile
Tier 1 Capital Ratio
Current: 12.31% · Tier avg: 10.24%
52
52th pctile
Total Loans
Current: $732.8M · Tier avg: $975.5M
56
56th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.16%
61
61th pctile
Loan-to-Deposit Ratio
Current: 88.67% · Tier avg: 83.06%
76
76th pctile
Efficiency Ratio
Current: 53.39% · Tier avg: 62.63%