BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Designations: ✓ Community bank
Arnett, OK
Farmers and Merchants Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 41.71% below tier average
- + ROA 0.72% above tier average
- + Delinquency Rate 1.07% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.75% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.8M
+7.5% YoY
+5.0% QoQ
|
+$21.6M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
76% |
| Total Loans ? |
$24.6M
+4.4% YoY
-3.5% QoQ
|
-$9.6M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
35% |
| Total Deposits ? |
$73.3M
+7.1% YoY
+5.5% QoQ
|
+$21.6M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
79% |
| Return on Assets ? |
1.55%
-5.8% YoY
-2.3% QoQ
|
+0.72% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
79% |
| Net Interest Margin ? |
3.11%
-4.2% YoY
-5.4% QoQ
|
-0.75% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
46.64%
-5.2% YoY
-7.8% QoQ
|
-41.71% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 6.3% in tier |
| Delinquency Rate ? |
0.30%
+259.1% YoY
-14.6% QoQ
|
-1.07% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
33.62%
-2.5% YoY
-8.5% QoQ
|
-30.59% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.96%
+3.8% YoY
-0.1% QoQ
|
+0.25% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.09%
+248.9% YoY
-21.5% QoQ
|
-0.70% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
61% |
| Tier 1 Capital Ratio ? |
12.93%
+1.2% YoY
-1.0% QoQ
|
-13.75% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.06%
+7.5% YoY
-73.4% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
50% |
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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.