BlastPoint's Banking Scorecard
First Farmers & Merchants State Bank
Micro
Specialty: Agricultural
MN
FDIC cert 1600
Designations: ✓ Community bank
Brownsdale, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
First Farmers & Merchants State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.92% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.7M
-4.7% YoY
+0.7% QoQ
|
-$123.8M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$72.1M
-3.2% YoY
+1.7% QoQ
|
-$67.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$81.5M
+5.9% YoY
-1.7% QoQ
|
-$102.1M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.17%
-63.1% YoY
-19.1% QoQ
|
-0.92% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
4.07%
+19.5% YoY
+1.7% QoQ
|
+0.21% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
60.59%
-11.8% YoY
-2.8% QoQ
|
-7.13% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.85%
+12.1% YoY
-32.0% QoQ
|
+1.21% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
88.41%
-8.6% YoY
+3.4% QoQ
|
+13.89% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
18.28%
+8.8% YoY
+1.3% QoQ
|
-4.11% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
1.42%
+14.0% YoY
-31.3% QoQ
|
+0.97% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
12.52%
+6.8% YoY
+0.9% QoQ
|
+3.67% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.28%
-17.8% YoY
+31.8% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.17%
(Tier avg: 1.08%, National avg: 1.12%)
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
66
66th pctile
Efficiency Ratio
Current: 60.59% · Tier avg: 67.73%
61
61th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.52% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.28% · Tier avg: 22.39%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.41% · Tier avg: 74.53%
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $93.7M · Tier avg: $217.5M
14
14th pctile
Delinquency Rate
Current: 1.85% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
Top Weaknesses
9
9th pctile
Return on Assets
Current: 0.17% · Tier avg: 1.08%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.85% · Tier avg: 0.64%
20
20th pctile
Total Assets
Current: $93.7M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
26
26th pctile
Loan-to-Deposit Ratio
Current: 88.41% · Tier avg: 74.53%
30
30th pctile
Total Loans
Current: $72.1M · Tier avg: $139.2M
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.28% · Tier avg: 22.39%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.52% · Tier avg: 8.85%
61
61th pctile
Net Interest Margin
Current: 4.07% · Tier avg: 3.85%
66
66th pctile
Efficiency Ratio
Current: 60.59% · Tier avg: 67.73%