BlastPoint's Banking Scorecard
Mechanics & Farmers Bank
Designations: ✓ Minority Depository Institution
Durham, NC
8 branches across NC
Mechanics & Farmers Bank has 1 strength but faces 4 concerns
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
- - Liquidity Overhang: Bottom 35.5% in tier
- - Delinquency Rate 1.48% above tier average
- - ROA 0.61% below tier average
- - Efficiency Ratio 13.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$489.0M
-2.0% YoY
+2.0% QoQ
|
+$102.9M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$269.6M
-4.6% YoY
-1.8% QoQ
|
+$13.9M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$414.2M
-3.2% YoY
+2.2% QoQ
|
+$86.2M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.66%
-7.4% YoY
-8.7% QoQ
|
-0.61% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
19% |
| Net Interest Margin ? |
4.11%
+1.4% YoY
-3.3% QoQ
|
+0.18% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
78.60%
+5.6% YoY
+4.8% QoQ
|
+13.31% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? |
2.37%
+311.2% YoY
+49.8% QoQ
|
+1.48% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.2% in tier |
| Loan-to-Deposit Ratio ? |
65.09%
-1.4% YoY
-3.9% QoQ
|
-11.55% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
23.26%
+6.5% YoY
+2.7% QoQ
|
+1.24% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.31%
+277.7% YoY
+44.3% QoQ
|
+0.67% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.0% in tier |
| Tier 1 Capital Ratio ? |
24.60%
+4.2% YoY
-0.1% QoQ
|
+8.77% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Top 6.9% in tier |
| Non-Interest Income / Assets ? |
0.14%
-20.2% YoY
-78.2% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
70% |
Get Full Access to Mechanics & Farmers Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.