BlastPoint's Banking Scorecard
Farmers & Merchants Bank of Colby
Community
Specialty: Agricultural
KS
FDIC cert 34719
Colby, KS
1484
banks in Community tier nationally
38 in KS
View Community leaderboard (KS) →
Farmers & Merchants Bank of Colby has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.23% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.22% below tier
- - Non-Interest Income / Assets 0.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$639.9M
+12.3% YoY
+7.2% QoQ
|
-$751.6M |
$1.4B
+2.0% YoY
|
$500.0M
+7.2% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$455.1M
+16.5% YoY
+4.3% QoQ
|
-$520.3M |
$975.5M
+2.4% YoY
|
$330.9M
+7.5% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$504.0M
+15.1% YoY
+9.3% QoQ
|
-$660.6M |
$1.2B
+1.7% YoY
|
$415.2M
+7.6% YoY
|
$4.7B
+6.3% YoY
|
Bottom 14% in tier |
| Return on Assets ? |
1.40%
+23.1% YoY
-3.8% QoQ
|
+0.23% |
1.16%
+17.2% YoY
|
1.26%
+16.9% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.50%
+5.4% YoY
+0.7% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.85%
+7.2% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
43.41%
-7.1% YoY
+7.2% QoQ
|
-19.23% |
62.63%
-5.3% YoY
|
63.53%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.67%
+30.7% YoY
-47.2% QoQ
|
+0.04% |
0.63%
+18.3% YoY
|
0.50%
+113.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
90.31%
+1.2% YoY
-4.6% QoQ
|
+7.25% |
83.06%
+0.3% YoY
|
73.36%
+1.4% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
8.83%
+13.0% YoY
+33.4% QoQ
|
-12.22% |
21.05%
-0.9% YoY
|
21.92%
-1.8% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.48%
+35.6% YoY
-48.6% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.36%
+79.7% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.38%
-10.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.18%
-4.5% YoY
+26.9% QoQ
|
-0.56% |
0.74%
-1.3% YoY
|
0.59%
+2.2% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.41%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.83%
(Tier avg: 21.05%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 9%
in Community
Why this stands out
Current:
0.18%
(Tier avg: 0.74%, 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
93
93th pctile
Efficiency Ratio
Current: 43.41% · Tier avg: 62.63%
68
68th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.31% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Total Loans
Current: $455.1M · Tier avg: $975.5M
20
20th pctile
Total Assets
Current: $639.9M · Tier avg: $1.4B
14
14th pctile
Total Deposits
Current: $504.0M · Tier avg: $1.2B
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.83% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.83% · Tier avg: 21.05%
9
9th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.74%
14
14th pctile
Total Deposits
Current: $504.0M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $639.9M · Tier avg: $1.4B
23
23th pctile
Total Loans
Current: $455.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Loan-to-Deposit Ratio
Current: 90.31% · Tier avg: 83.06%
37
37th pctile
Delinquency Rate
Current: 0.67% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
68
68th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.16%
93
93th pctile
Efficiency Ratio
Current: 43.41% · Tier avg: 62.63%