BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Designations: ✓ Community bank
Duke, OK
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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +2.1% year over year ($18.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.71%.
- Efficiency ratio 80.34% vs a 119.40% peer average.
- Loan-to-deposit ratio 34.81% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers & Merchants Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + Efficiency Ratio 39.06% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Net Interest Margin 0.21% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$20.5M
+2.2% YoY
+3.7% QoQ
|
-$41.9M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 4.5% in tier |
| Total Loans ? |
$6.3M
+11.9% YoY
-0.3% QoQ
|
-$28.6M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 7.5% in tier |
| Total Deposits ? |
$18.1M
+2.1% YoY
+4.0% QoQ
|
-$33.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.8% in tier |
| Return on Assets ? |
0.71%
-6.2% YoY
+22.4% QoQ
|
-0.29% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.70%
-3.4% YoY
-2.2% QoQ
|
-0.21% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
80.34%
+0.9% YoY
-5.1% QoQ
|
-39.06% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
34.81%
+9.6% YoY
-4.2% QoQ
|
-39.40% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 12.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.86%
-9.2% YoY
-3.5% QoQ
|
+8.37% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.30%
-1.7% YoY
-3.9% QoQ
|
-15.83% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.14%
-5.4% YoY
+47.1% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
55% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.9%
-3.2pp YoY -1.2pp QoQ |
+7.2pp | 24.6% | 23.9% | 22.2% | 78% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
22.7%
-7.1pp YoY -1.5pp QoQ |
+9.3pp | 13.4% | 15.7% | 12.5% | 83% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 35.0% | 24.0% | 31.3% | n/a |
| Consumer |
2.8%
+0.1pp YoY +0.2pp QoQ |
-4.9pp | 7.7% | 5.6% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
11.3%
-0.2pp YoY -0.5pp QoQ |
-6.4pp | 17.7% | 11.7% | 12.6% | 32% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 150 | 482 | 2% |
| Assets per Employee ($) |
$5.1M
+2.2% YoY +3.7% QoQ |
-$1.1M | $6.2M | $6.5M | $8.8M | 38% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.1%
-0.4pp YoY +1.2pp QoQ |
-0.3pp | 6.4% | 11.9% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 67% |
| Net Income ($, YTD) |
$70,000
-4.1% YoY — QoQ |
-$248K | $317,817 | $8.7M | $40.4M | 20% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.