BlastPoint's Banking Scorecard
F&M Bank
Micro
Specialty: Agricultural
NE
FDIC cert 5401
Falls City, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
F&M Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.5M
-3.5% YoY
+1.6% QoQ
|
-$87.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$59.8M
-5.3% YoY
+2.2% QoQ
|
-$79.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$110.4M
-5.2% YoY
+2.7% QoQ
|
-$73.3M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.29%
+31.1% YoY
+5.6% QoQ
|
+0.21% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.40%
+10.7% YoY
+1.2% QoQ
|
-0.46% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
61.46%
-4.6% YoY
-0.4% QoQ
|
-6.27% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
54.20%
-0.1% YoY
-0.5% QoQ
|
-20.33% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
23.01%
+1.2% YoY
+9.3% QoQ
|
+0.61% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-4.9% YoY
+34.2% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
63
63th pctile
Efficiency Ratio
Current: 61.46% · Tier avg: 67.73%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.01% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
32
32th pctile
Total Deposits
Current: $110.4M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $129.5M · Tier avg: $217.5M
29
29th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
24
24th pctile
Total Loans
Current: $59.8M · Tier avg: $139.2M
17
17th pctile
Loan-to-Deposit Ratio
Current: 54.20% · Tier avg: 74.53%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 54.20% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $59.8M · Tier avg: $139.2M
29
29th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
31
31th pctile
Total Assets
Current: $129.5M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $110.4M · Tier avg: $183.7M
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.01% · Tier avg: 22.39%
63
63th pctile
Efficiency Ratio
Current: 61.46% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%