BlastPoint

BlastPoint's Banking Scorecard

Mechanics & Farmers Bank

$100M-$1B Specialty: Commercial NC FDIC cert 12266

Designations: ✓ Minority Depository Institution

Durham, NC

8 branches across NC

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 17 in NC.
  • Deposits -4.5% year over year ($402.2M on the books).
  • Delinquency rate 2.43%.
  • Return on assets 0.68%.
  • Efficiency ratio 76.23% vs a 64.48% peer average.
  • Loan-to-deposit ratio 67.75% 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 17 in NC
View $100M-$1B leaderboard (NC) →

Mechanics & Farmers Bank has 1 strength but faces 5 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

  • + Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

  • - Deposit Outflow: Bottom 10.1% in tier
  • - Liquidity Overhang: Bottom 32.8% in tier
  • - Delinquency Rate 1.51% above tier average
  • - ROA 0.64% below tier average
  • - Efficiency Ratio 11.75% above tier average
Get updates when Mechanics & Farmers Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Total Assets ? $476.0M
-3.5% YoY -2.7% QoQ
+$89.4M $386.6M
+1.2% YoY
$92.1B
+0.4% YoY
$6.3B
+7.7% YoY
70%
Total Loans ? $272.5M
-2.2% YoY +1.1% QoQ
+$14.1M $258.3M
+1.7% YoY
$45.3B
+5.8% YoY
$3.2B
+9.4% YoY
62%
Total Deposits ? $402.2M
-4.5% YoY -2.9% QoQ
+$75.4M $326.7M
+0.7% YoY
$72.9B
+1.1% YoY
$4.9B
+7.3% YoY
70%
Return on Assets ? 0.68%
-1.1% YoY +3.9% QoQ
-0.64% 1.32%
+10.8% YoY
1.06%
+26.4% YoY
1.30%
+12.1% YoY
18%
Net Interest Margin ? 4.16%
-0.0% YoY +1.2% QoQ
+0.18% 3.99%
+5.0% YoY
3.48%
+5.1% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 76.23%
+0.5% YoY -3.0% QoQ
+11.75% 64.48%
-3.2% YoY
69.25%
-8.2% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 2.43%
+340.2% YoY +2.6% QoQ
+1.51% 0.92%
+15.7% YoY
0.62%
+17.0% YoY
0.98%
+16.3% YoY
Bottom 9.2% in tier
Loan-to-Deposit Ratio ? 67.75%
+2.4% YoY +4.1% QoQ
-10.21% 77.95%
+1.0% YoY
80.66%
+1.6% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 21.29%
-7.8% YoY -8.5% QoQ
-0.74% 22.03%
-0.6% YoY
18.90%
+1.9% YoY
21.98%
-0.6% YoY
51%
Nonperforming Asset Ratio ? 1.39%
+318.9% YoY +6.5% QoQ
+0.72% 0.67%
+16.4% YoY
0.44%
+14.6% YoY
0.69%
+15.8% YoY
Bottom 13.4% in tier
Tier 1 Capital Ratio ? 24.72%
+2.0% YoY +0.5% QoQ
+8.81% 15.91%
+1.4% YoY
20.01%
+3.4% YoY
17.09%
+0.8% YoY
Top 7.2% in tier
Non-Interest Income / Assets ? 0.28%
-18.2% YoY +103.3% QoQ
-0.28% 0.57%
+7.6% YoY
0.43%
+2.6% YoY
0.66%
+5.2% YoY
69%

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 (NC) National Avg Tier Percentile
Noninterest-Bearing 21.3%
-1.8pp YoY
-2.0pp QoQ
 -0.9pp 22.1% 21.8% 22.2% 51%
Brokered Deposits 9.6%
+1.1pp YoY
+0.9pp QoQ
 +1.8pp 7.9% 7.7% 8.5% 74%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
C&I 18.5%
-0.3pp YoY
+1.3pp QoQ
 +7.0pp 11.6% 10.5% 12.5% 85%
CRE 62.7%
-0.4pp YoY
-0.9pp QoQ
 +23.2pp 39.5% 46.3% 41.4% 87%
1-4 Family 16.6%
+0.4pp YoY
-0.3pp QoQ
 -16.0pp 32.6% 44.2% 31.3% 23%
Consumer 3.0%
+0.2pp YoY
-0.2pp QoQ
 -1.2pp 4.1% 1.6% 5.0% 59%

Capital

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
CET1 Ratio 24.7%
+0.5pp YoY
+0.1pp QoQ
 +5.9pp 18.8% 22.8% 19.7% 88%
Leverage Ratio 15.1%
+0.8pp YoY
+0.2pp QoQ
 +2.9pp 12.2% 14.4% 12.6% 87%
Total Capital Ratio 26.0%
+0.5pp YoY
+0.1pp QoQ
 +6.0pp 19.9% 23.8% 20.8% 89%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Full-Time Employees 80
-2 (-2.4%) YoY
-1 (-1.2%) QoQ
 +21 58 5,103 482 77%
Assets per Employee ($) $5.9M
-1.1% YoY
-1.4% QoQ
 -$1.6M $7.5M $9.4M $8.8M 32%
Branch Count 8
0 YoY
0 QoQ
 +3 4 170 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
Past Due 90+ Days 0.1% -0.3pp 0.3% 0.1% 0.4% 40%
Nonaccrual 2.4%
+1.8pp YoY
0.0pp QoQ
 +1.4pp 0.9% 0.7% 1.0% 90%
Allowance Coverage 0.60x
-78.8% YoY
+0.4% QoQ
 -23.56x 24.15x 3.36x 20.23x 14%
Net Charge-off Rate (YTD) 0.8%
+0.7pp YoY
-0.4pp QoQ
 +0.6pp 0.1% 0.1% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (NC) National Avg Tier Percentile
ROE 4.8%
-0.5pp YoY
+0.2pp QoQ
 -7.3pp 12.2% 8.7% 11.6% 13%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 12%
Net Income ($, YTD) $1.6M
-4.1% YoY
— QoQ
 -$909K $2.6M $518.0M $40.4M 45%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Deposit Outflow

decline
#55 of 535 • Bottom 10.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#244 of 742 • Bottom 32.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 24.72%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 67.75%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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 (1 metrics)

191
Tier 1 Capital Ratio
capital
Value: 24.72%
Peer Median: 15.91%
#191 of 2643 Top 7.2% in $100M-$1B

Top Weaknesses (4 metrics)

2391
Delinquency Rate
credit_quality
Value: 2.43%
Peer Median: 0.92%
#2391 of 2633 Bottom 9.2% in $100M-$1B
2291
Nonperforming Asset Ratio
credit_quality
Value: 1.39%
Peer Median: 0.67%
#2291 of 2643 Bottom 13.4% in $100M-$1B
2159
Return on Assets
profitability
Value: 0.68%
Peer Median: 1.32%
#2159 of 2643 Bottom 18.4% in $100M-$1B
2155
Efficiency Ratio
profitability
Value: 76.23%
Peer Median: 64.48%
#2155 of 2643 Bottom 18.5% in $100M-$1B
Powered by BlastPoint © 2026