BlastPoint's Banking Scorecard
Farmers and Mechanics Federal Savings Bank
Micro
Specialty: Other
IN
FDIC cert 28478
Designations: ✓ Community bank ✓ Mutual
Bloomfield, IN
2498
banks in Micro tier nationally
49 in IN
View Micro leaderboard (IN) →
Farmers and Mechanics Federal Savings 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
- - Return on Assets 1.34% below tier
- - Efficiency Ratio 36.40% above tier
- - Non-Interest-Bearing Deposit Share 13.93% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$116.8M
-3.1% YoY
-0.9% QoQ
|
-$100.7M |
$217.5M
+2.3% YoY
|
$2.4B
+12.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$68.2M
+4.3% YoY
-3.6% QoQ
|
-$70.9M |
$139.2M
+2.8% YoY
|
$1.7B
+13.4% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$109.9M
+0.9% YoY
+3.5% QoQ
|
-$73.8M |
$183.7M
+1.8% YoY
|
$1.9B
+12.7% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
-0.26%
+90.6% YoY
-0.3% QoQ
|
-1.34% |
1.08%
+14.7% YoY
|
1.01%
+19.7% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
2.79%
+38.2% YoY
+0.3% QoQ
|
-1.06% |
3.85%
+6.6% YoY
|
3.50%
+10.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
104.13%
-52.1% YoY
-0.1% QoQ
|
+36.40% |
67.73%
-4.8% YoY
|
67.50%
-4.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
1.34%
-12.5% YoY
-5.3% QoQ
|
+0.70% |
0.64%
+24.4% YoY
|
0.77%
+9.8% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
62.10%
+3.3% YoY
-6.9% QoQ
|
-12.42% |
74.53%
+0.5% YoY
|
82.11%
+1.7% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
8.46%
-17.7% YoY
-8.1% QoQ
|
-13.93% |
22.39%
-1.3% YoY
|
16.86%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.78%
-5.8% YoY
-7.9% QoQ
|
+0.33% |
0.45%
+25.1% YoY
|
0.58%
+19.3% YoY
|
0.48%
+20.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.57%
-6.3% YoY
-2.9% QoQ
|
+1.72% |
8.85%
-3.4% YoY
|
9.17%
+0.4% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.31%
+3.2% YoY
+56.0% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.62%
-11.1% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.26%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
104.13%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.46%
(Tier avg: 22.39%, National avg: 21.79%)
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
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.10% · Tier avg: 74.53%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.57% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
32
32th pctile
Total Deposits
Current: $109.9M · Tier avg: $183.7M
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
28
28th pctile
Total Assets
Current: $116.8M · Tier avg: $217.5M
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
10
10th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.46% · Tier avg: 22.39%
4
4th pctile
Return on Assets
Current: -0.26% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 104.13% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 104.13% · Tier avg: 67.73%
4
4th pctile
Return on Assets
Current: -0.26% · Tier avg: 1.08%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.46% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.85%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
26
26th pctile
Nonperforming Asset Ratio
Current: 0.78% · Tier avg: 0.45%
28
28th pctile
Total Assets
Current: $116.8M · Tier avg: $217.5M
28
28th pctile
Total Loans
Current: $68.2M · Tier avg: $139.2M
32
32th pctile
Total Deposits
Current: $109.9M · Tier avg: $183.7M
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.57% · Tier avg: 8.85%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.10% · Tier avg: 74.53%