BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Designations: ✓ Community bank
Arnett, 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 +5.0% year over year ($69.9M on the books).
- Delinquency rate 0.43%.
- Return on assets 1.56%.
- Efficiency ratio 48.66% vs a 119.40% peer average.
- Loan-to-deposit ratio 34.45% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 70.73% below tier average
- + ROA 0.56% above tier average
- + Delinquency Rate 1.05% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.3M
+5.3% YoY
-4.1% QoQ
|
+$17.9M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$24.1M
-2.8% YoY
-2.4% QoQ
|
-$10.8M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$69.9M
+5.0% YoY
-4.7% QoQ
|
+$18.2M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.56%
-3.3% YoY
+0.3% QoQ
|
+0.56% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
77% |
| Net Interest Margin ? |
3.15%
-4.3% YoY
+1.3% QoQ
|
-0.76% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
48.66%
-3.7% YoY
+4.3% QoQ
|
-70.73% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 7.6% in tier |
| Delinquency Rate ? |
0.43%
+969.6% YoY
+42.0% QoQ
|
-1.05% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
34.45%
-7.4% YoY
+2.5% QoQ
|
-39.76% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 11.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.65%
-1.3% YoY
-5.5% QoQ
|
-0.83% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.13%
+887.8% YoY
+44.6% QoQ
|
-0.71% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
13.00%
+0.2% YoY
+0.5% QoQ
|
-14.13% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.12%
+3.3% YoY
+98.6% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
49% |
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 |
22.7%
-0.3pp YoY -1.3pp QoQ |
-2.0pp | 24.6% | 23.9% | 22.2% | 45% |
| 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 |
13.1%
-3.0pp YoY -3.0pp QoQ |
-0.3pp | 13.4% | 15.7% | 12.5% | 62% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
0.7%
-0.1pp YoY 0.0pp QoQ |
-34.3pp | 35.0% | 24.0% | 31.3% | 5% |
| Consumer |
24.4%
-2.2pp YoY -0.2pp QoQ |
+16.7pp | 7.7% | 5.6% | 5.0% | 95% |
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 |
13.0%
0.0pp YoY +0.1pp QoQ |
-4.7pp | 17.7% | 11.7% | 12.6% | 52% |
| 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 |
8
0 YoY 0 QoQ |
-4 | 12 | 150 | 482 | 29% |
| Assets per Employee ($) |
$10.0M
+5.3% YoY -4.1% QoQ |
+$3.9M | $6.2M | $6.5M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.4%
+0.4pp YoY +0.1pp QoQ |
-1.3pp | 1.7% | 1.5% | 1.0% | 36% |
| Allowance Coverage |
4.34x
-91.5% YoY -28.2% QoQ |
-2.07x | 6.41x | 61.99x | 20.23x | 77% |
| Net Charge-off Rate (YTD) |
0.8%
+0.8pp YoY -0.5pp QoQ |
+0.7pp | 0.2% | 0.2% | 0.2% | 94% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
-0.9pp YoY 0.0pp QoQ |
+6.3pp | 6.4% | 11.9% | 11.6% | 75% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.8% | 1.7% | 58% |
| Net Income ($, YTD) |
$632,000
+3.9% YoY — QoQ |
+$314K | $317,817 | $8.7M | $40.4M | 84% |
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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.