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Farmers and Merchants Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 10492

Iowa City, IA

4 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +2.1% year over year ($102.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.00%.
  • Efficiency ratio 62.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Farmers and Merchants Savings Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Credit Quality Leader: Top 27.3% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 2.03% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 45.4% in tier
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.50% below tier average
Get updates when Farmers and Merchants Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $122.5M
+1.1% YoY -1.2% QoQ
-$264.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 6.3% in tier
Total Loans ? $78.4M
+0.8% YoY -1.2% QoQ
-$179.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Bottom 9.8% in tier
Total Deposits ? $102.7M
+2.1% YoY -1.6% QoQ
-$224.0M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 6.0% in tier
Return on Assets ? 1.00%
+11.7% YoY +8.2% QoQ
-0.32% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.48%
+4.8% YoY +2.8% QoQ
-0.50% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
27%
Efficiency Ratio ? 62.45%
-1.4% YoY -2.6% QoQ
-2.03% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
50%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 76.36%
-1.2% YoY +0.4% QoQ
-1.59% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
57%
Non-Interest-Bearing Deposit Share ? 23.62%
-0.4% YoY -1.1% QoQ
+1.59% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
61%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.62%
-20.3% YoY +1.8% QoQ
-2.29% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.08%
+19.5% YoY +132.9% QoQ
-0.49% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 13.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 23.6%
-0.1pp YoY
-0.3pp QoQ
 +1.5pp 22.1% 17.8% 22.2% 61%
Brokered Deposits 3.1%
+1.9pp YoY
+0.1pp QoQ
 -4.7pp 7.9% 6.0% 8.5% 39%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 12.1%
-3.3pp YoY
-1.1pp QoQ
 +0.6pp 11.6% 12.8% 12.5% 64%
CRE 30.9%
+0.4pp YoY
+1.6pp QoQ
 -8.7pp 39.5% 28.3% 41.4% 36%
1-4 Family 35.5%
+2.0pp YoY
+1.1pp QoQ
 +2.9pp 32.6% 23.0% 31.3% 63%
Consumer 1.0%
-0.2pp YoY
-0.1pp QoQ
 -3.1pp 4.1% 2.9% 5.0% 28%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 13.6%
+0.2pp YoY
+0.2pp QoQ
 +1.5pp 12.2% 12.4% 12.6% 80%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 15
-1 (-6.2%) YoY
0 QoQ
 -44 58 64 482 4%
Assets per Employee ($) $8.2M
+7.8% YoY
-1.2% QoQ
 +$648K $7.5M $8.9M $8.8M 70%
Branch Count 4
0 YoY
0 QoQ
 -1 4 5 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.97x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 7.2%
+0.4pp YoY
+0.5pp QoQ
 -5.0pp 12.2% 12.8% 11.6% 22%
Cost of Funds (YTD) 1.7%
+0.1pp YoY
0.0pp QoQ
 0.0pp 1.7% 1.8% 1.7% 49%
Net Income ($, YTD) $617,000
+12.0% YoY
— QoQ
 -$1.9M $2.6M $4.0M $40.4M 14%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth
#181 of 659 • Top 27.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk
#241 of 529 • Bottom 45.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.00%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2485
Total Deposits
size
Value: $102.71M
Peer Median: $326.73M
#2485 of 2643 Bottom 6.0% in $100M-$1B
2477
Total Assets
size
Value: $122.50M
Peer Median: $386.57M
#2477 of 2643 Bottom 6.3% in $100M-$1B
2385
Total Loans
size
Value: $78.43M
Peer Median: $258.35M
#2385 of 2643 Bottom 9.8% in $100M-$1B
2293
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2293 of 2643 Bottom 13.3% in $100M-$1B
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