BlastPoint's Banking Scorecard
Farmers and Merchants State Bank of Appleton
Micro
Specialty: Agricultural
MN
FDIC cert 8845
Designations: ✓ Community bank
Appleton, MN
2498
banks in Micro tier nationally
179 in MN
View Micro leaderboard (MN) →
Farmers and Merchants State Bank of Appleton demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.02% above tier
- + Net Interest Margin 1.33% above tier
- + Efficiency Ratio 28.98% 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 (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.4M
-1.0% YoY
+1.6% QoQ
|
-$157.1M |
$217.5M
+2.3% YoY
|
$508.2M
+6.2% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$50.6M
+2.6% YoY
+0.2% QoQ
|
-$88.6M |
$139.2M
+2.8% YoY
|
$283.0M
+6.2% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$51.1M
-4.4% YoY
+2.3% QoQ
|
-$132.6M |
$183.7M
+1.8% YoY
|
$438.4M
+5.3% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
3.10%
+38.0% YoY
+10.2% QoQ
|
+2.02% |
1.08%
+14.7% YoY
|
1.11%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.18%
+20.3% YoY
+0.6% QoQ
|
+1.33% |
3.85%
+6.6% YoY
|
3.81%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
38.75%
-8.6% YoY
-1.8% QoQ
|
-28.98% |
67.73%
-4.8% YoY
|
65.34%
-5.0% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
1.95%
+14.2% YoY
+23.9% QoQ
|
+1.31% |
0.64%
+24.4% YoY
|
0.65%
+17.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
99.09%
+7.3% YoY
-2.1% QoQ
|
+24.56% |
74.53%
+0.5% YoY
|
76.97%
-0.8% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.97%
-3.3% YoY
+3.1% QoQ
|
+13.58% |
22.39%
-1.3% YoY
|
21.89%
-2.6% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
1.63%
-21.7% YoY
-20.9% QoQ
|
+1.18% |
0.45%
+25.1% YoY
|
0.46%
+7.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.33%
-0.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.62%
+221.3% YoY
+277.3% QoQ
|
+0.05% |
0.56%
+0.3% YoY
|
0.50%
+4.9% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.10%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 7%
in Micro
Why this stands out
Current:
5.18%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
38.75%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Return on Assets
Current: 3.10% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 38.75% · Tier avg: 67.73%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.97% · Tier avg: 22.39%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
20
20th pctile
Total Loans
Current: $50.6M · Tier avg: $139.2M
13
13th pctile
Delinquency Rate
Current: 1.95% · Tier avg: 0.64%
11
11th pctile
Total Deposits
Current: $51.1M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.4M · Tier avg: $217.5M
10
10th pctile
Nonperforming Asset Ratio
Current: 1.63% · Tier avg: 0.45%
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.09% · Tier avg: 74.53%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 99.09% · Tier avg: 74.53%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.63% · Tier avg: 0.45%
10
10th pctile
Total Assets
Current: $60.4M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $51.1M · Tier avg: $183.7M
13
13th pctile
Delinquency Rate
Current: 1.95% · Tier avg: 0.64%
20
20th pctile
Total Loans
Current: $50.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
78
78th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.97% · Tier avg: 22.39%
93
93th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.85%
98
98th pctile
Efficiency Ratio
Current: 38.75% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.10% · Tier avg: 1.08%