BlastPoint's Banking Scorecard
Farmers and Merchants State Bank
Micro
Specialty: Agricultural
ND
FDIC cert 21728
Designations: ✓ Community bank
Langdon, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Farmers and 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
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.3M
+2.2% YoY
+2.5% QoQ
|
-$67.2M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$81.6M
+7.3% YoY
+2.6% QoQ
|
-$57.6M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$108.1M
+2.9% YoY
+4.8% QoQ
|
-$75.5M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.21%
+73.1% YoY
+5.7% QoQ
|
+0.13% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.05%
+24.0% YoY
+2.9% QoQ
|
-0.80% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
57.18%
-17.4% YoY
-5.0% QoQ
|
-10.54% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.35%
+85.0% YoY
+14.5% QoQ
|
+0.71% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
75.45%
+4.3% YoY
-2.1% QoQ
|
+0.92% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
23.93%
+13.9% YoY
+21.8% QoQ
|
+1.54% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.73%
+94.3% YoY
+14.6% QoQ
|
+0.28% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+9.6% YoY
+47.7% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
75
75th pctile
Efficiency Ratio
Current: 57.18% · Tier avg: 67.73%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.93% · Tier avg: 22.39%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.45% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Total Assets
Current: $150.3M · Tier avg: $217.5M
35
35th pctile
Total Loans
Current: $81.6M · Tier avg: $139.2M
31
31th pctile
Total Deposits
Current: $108.1M · Tier avg: $183.7M
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
Top Weaknesses
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
18
18th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.85%
21
21th pctile
Delinquency Rate
Current: 1.35% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
31
31th pctile
Total Deposits
Current: $108.1M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $81.6M · Tier avg: $139.2M
38
38th pctile
Total Assets
Current: $150.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.45% · Tier avg: 74.53%
59
59th pctile
Return on Assets
Current: 1.21% · Tier avg: 1.08%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.93% · Tier avg: 22.39%
75
75th pctile
Efficiency Ratio
Current: 57.18% · Tier avg: 67.73%