BlastPoint's Banking Scorecard
The Farmers & Merchants State Bank
Community
Specialty: Commercial
OH
FDIC cert 5969
Archbold, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Farmers & Merchants State Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 38% in Community
- - Liquidity Strain: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.4B
+2.0% YoY
+1.3% QoQ
|
+$2.0B |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$2.7B
+5.9% YoY
+2.1% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$2.7B
+1.6% YoY
-0.7% QoQ
|
+$1.6B |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.03%
+24.8% YoY
+5.2% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.38%
+18.9% YoY
+1.8% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
59.85%
-6.3% YoY
-2.6% QoQ
|
-2.78% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.42%
+240.2% YoY
+113.9% QoQ
|
-0.21% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
98.35%
+4.2% YoY
+2.8% QoQ
|
+15.29% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
19.44%
+0.4% YoY
+6.2% QoQ
|
-1.61% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.33%
+253.2% YoY
+115.5% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
11.51%
+0.9% YoY
-0.0% QoQ
|
+1.26% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.45%
+3.1% YoY
+33.3% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#244 of 642 · Bottom 38% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#245 of 513 · Bottom 48% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.35%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
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
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
95
95th pctile
Total Assets
Current: $3.4B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
84
84th pctile
Loan-to-Deposit Ratio
Current: 98.35% · Tier avg: 83.06%
57
57th pctile
Efficiency Ratio
Current: 59.85% · Tier avg: 62.63%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.44% · Tier avg: 21.05%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.51% · Tier avg: 10.24%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
Top Weaknesses
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.51% · Tier avg: 10.24%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 19.44% · Tier avg: 21.05%
52
52th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.42% · Tier avg: 0.63%
57
57th pctile
Efficiency Ratio
Current: 59.85% · Tier avg: 62.63%
84
84th pctile
Loan-to-Deposit Ratio
Current: 98.35% · Tier avg: 83.06%
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
95
95th pctile
Total Assets
Current: $3.4B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M