BlastPoint's Banking Scorecard
Farmers State Bank of Hamel
Micro
Specialty: Other
MN
FDIC cert 8214
Designations: ✓ Community bank
Hamel, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers State Bank of Hamel has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 37.07% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 13.74% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$200.2M
+3.0% YoY
-3.8% QoQ
|
-$17.2M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$67.1M
-3.1% YoY
-1.0% QoQ
|
-$72.1M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$179.1M
-0.4% YoY
-4.9% QoQ
|
-$4.5M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.77%
+44.0% YoY
-4.4% QoQ
|
-0.31% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.42%
+14.5% YoY
+1.9% QoQ
|
-1.44% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
63.26%
-9.9% YoY
+2.9% QoQ
|
-4.47% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
37.46%
-2.8% YoY
+4.2% QoQ
|
-37.07% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.27%
-0.7% YoY
+3.3% QoQ
|
+4.87% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
22.60%
+16.2% YoY
+4.8% QoQ
|
+13.74% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.18%
+8.3% YoY
+32.5% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
37.46%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
22.60%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.42%
(Tier avg: 3.85%, National avg: 3.75%)
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%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.46% · Tier avg: 74.53%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.60% · Tier avg: 8.85%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.27% · Tier avg: 22.39%
58
58th pctile
Efficiency Ratio
Current: 63.26% · Tier avg: 67.73%
54
54th pctile
Total Deposits
Current: $179.1M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $200.2M · Tier avg: $217.5M
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
27
27th pctile
Total Loans
Current: $67.1M · Tier avg: $139.2M
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
5
5th pctile
Net Interest Margin
Current: 2.42% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.42% · Tier avg: 3.85%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
27
27th pctile
Total Loans
Current: $67.1M · Tier avg: $139.2M
32
32th pctile
Return on Assets
Current: 0.77% · Tier avg: 1.08%
52
52th pctile
Total Assets
Current: $200.2M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.1M · Tier avg: $183.7M
58
58th pctile
Efficiency Ratio
Current: 63.26% · Tier avg: 67.73%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.27% · Tier avg: 22.39%
90
90th pctile
Tier 1 Capital Ratio
Current: 22.60% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.46% · Tier avg: 74.53%
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%