BlastPoint's Banking Scorecard
Farmers State Bank of Trimont
Micro
Specialty: Agricultural
MN
FDIC cert 1929
Designations: ✓ Community bank
Trimont, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers State Bank of Trimont demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 14.30% above 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.8M
-4.0% YoY
+6.0% QoQ
|
-$139.7M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$48.3M
-2.2% YoY
+8.8% QoQ
|
-$90.9M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$62.0M
-0.0% YoY
+3.8% QoQ
|
-$121.7M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.01%
+6.0% YoY
-7.4% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.33%
+5.8% YoY
+2.0% QoQ
|
-0.52% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
60.60%
-3.3% YoY
+6.7% QoQ
|
-7.13% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
2.29%
-26.9% QoQ
|
+1.65% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
77.92%
-2.2% YoY
+4.8% QoQ
|
+3.40% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
22.22%
+6.4% YoY
-3.5% QoQ
|
-0.17% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
1.42%
-24.9% 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 ? |
23.15%
+4.3% YoY
-8.3% QoQ
|
+14.30% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.35%
+6.1% YoY
+17.9% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.15%
(Tier avg: 8.85%, National avg: 9.75%)
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
91
91th pctile
Tier 1 Capital Ratio
Current: 23.15% · Tier avg: 8.85%
66
66th pctile
Efficiency Ratio
Current: 60.60% · Tier avg: 67.73%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.22% · Tier avg: 22.39%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.92% · Tier avg: 74.53%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
19
19th pctile
Total Loans
Current: $48.3M · Tier avg: $139.2M
15
15th pctile
Total Assets
Current: $77.8M · Tier avg: $217.5M
14
14th pctile
Total Deposits
Current: $62.0M · Tier avg: $183.7M
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
11
11th pctile
Delinquency Rate
Current: 2.29% · Tier avg: 0.64%
Top Weaknesses
11
11th pctile
Delinquency Rate
Current: 2.29% · Tier avg: 0.64%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.42% · Tier avg: 0.45%
14
14th pctile
Total Deposits
Current: $62.0M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $77.8M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $48.3M · Tier avg: $139.2M
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.92% · Tier avg: 74.53%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.22% · Tier avg: 22.39%
66
66th pctile
Efficiency Ratio
Current: 60.60% · Tier avg: 67.73%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.15% · Tier avg: 8.85%