BlastPoint's Banking Scorecard
Merchants Bank
Micro
Specialty: Agricultural
ND
FDIC cert 8943
Designations: ✓ Community bank
Rugby, ND
2498
banks in Micro tier nationally
40 in ND
View Micro leaderboard (ND) →
Merchants Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$269.5M
+6.7% YoY
+8.3% QoQ
|
+$52.0M |
$217.5M
+2.3% YoY
|
$1.1B
+4.8% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$191.9M
+8.2% YoY
-1.7% QoQ
|
+$52.7M |
$139.2M
+2.8% YoY
|
$765.4M
+5.0% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$238.7M
+5.9% YoY
+12.3% QoQ
|
+$55.1M |
$183.7M
+1.8% YoY
|
$905.0M
+3.6% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
1.39%
+16.5% YoY
-7.2% QoQ
|
+0.31% |
1.08%
+14.7% YoY
|
1.32%
+12.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.21%
+5.8% YoY
-0.0% QoQ
|
+0.36% |
3.85%
+6.6% YoY
|
3.71%
+7.8% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
52.67%
-7.1% YoY
+9.8% QoQ
|
-15.06% |
67.73%
-4.8% YoY
|
61.23%
-5.7% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
1.14%
-1.6% YoY
+1.6% QoQ
|
+0.50% |
0.64%
+24.4% YoY
|
0.75%
+12.5% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
80.37%
+2.2% YoY
-12.5% QoQ
|
+5.85% |
74.53%
+0.5% YoY
|
72.91%
+0.6% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
18.55%
-27.9% YoY
-2.1% QoQ
|
-3.84% |
22.39%
-1.3% YoY
|
21.38%
-4.0% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.81%
-0.2% YoY
-7.8% QoQ
|
+0.36% |
0.45%
+25.1% YoY
|
0.49%
+9.5% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.89%
+12.5% YoY
+1.6% QoQ
|
+4.04% |
8.85%
-3.4% YoY
|
7.43%
-1.1% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.13%
+43.3% YoY
+36.4% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.45%
-9.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
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
85
85th pctile
Efficiency Ratio
Current: 52.67% · Tier avg: 67.73%
72
72th pctile
Total Loans
Current: $191.9M · Tier avg: $139.2M
70
70th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
69
69th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
68
68th pctile
Total Deposits
Current: $238.7M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $269.5M · Tier avg: $217.5M
63
63th pctile
Tier 1 Capital Ratio
Current: 12.89% · Tier avg: 8.85%
58
58th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 74.53%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
58
58th pctile
Loan-to-Deposit Ratio
Current: 80.37% · Tier avg: 74.53%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.89% · Tier avg: 8.85%
66
66th pctile
Total Assets
Current: $269.5M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $238.7M · Tier avg: $183.7M
69
69th pctile
Net Interest Margin
Current: 4.21% · Tier avg: 3.85%
70
70th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.08%
72
72th pctile
Total Loans
Current: $191.9M · Tier avg: $139.2M
85
85th pctile
Efficiency Ratio
Current: 52.67% · Tier avg: 67.73%