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Farmers and Merchants Bank

$100M-$1B Specialty: Commercial MS FDIC cert 15801

Baldwyn, MS

12 branches across MS

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 39 in MS.
  • Deposits +6.5% year over year ($481.2M on the books).
  • Delinquency rate 1.73%.
  • Return on assets 1.78%.
  • Efficiency ratio 58.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 71.79% 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 39 in MS
View $100M-$1B leaderboard (MS) →

Farmers and Merchants Bank has 4 strengths but faces 3 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

  • + Revenue Diversifier: Top 30.0% in tier
  • + ROA 0.46% above tier average
  • + Net Interest Margin 0.85% above tier average
  • + Efficiency Ratio 6.26% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 18.1% in tier
  • - Margin Compression: Bottom 59.6% in tier
  • - Delinquency Rate 0.81% above tier average
Get updates when Farmers and Merchants Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Total Assets ? $565.8M
+7.1% YoY -0.2% QoQ
+$179.3M $386.6M
+1.2% YoY
$2.3B
+4.7% YoY
$6.3B
+7.7% YoY
78%
Total Loans ? $345.5M
+8.1% YoY +3.3% QoQ
+$87.1M $258.3M
+1.7% YoY
$1.6B
+6.5% YoY
$3.2B
+9.4% YoY
73%
Total Deposits ? $481.2M
+6.5% YoY -1.1% QoQ
+$154.5M $326.7M
+0.7% YoY
$1.9B
+4.9% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.78%
-18.7% YoY +0.7% QoQ
+0.46% 1.32%
+10.8% YoY
1.27%
+12.8% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 4.84%
+4.1% YoY +0.3% QoQ
+0.85% 3.99%
+5.0% YoY
4.02%
+5.6% YoY
3.95%
+4.9% YoY
Top 11.2% in tier
Efficiency Ratio ? 58.22%
+9.9% YoY -1.9% QoQ
-6.26% 64.48%
-3.2% YoY
65.83%
-2.8% YoY
70.05%
+2.5% YoY
63%
Delinquency Rate ? 1.73%
+34.0% YoY +10.9% QoQ
+0.81% 0.92%
+15.7% YoY
1.03%
+6.0% YoY
0.98%
+16.3% YoY
16%
Loan-to-Deposit Ratio ? 71.79%
+1.4% YoY +4.5% QoQ
-6.16% 77.95%
+1.0% YoY
72.48%
+3.6% YoY
79.03%
+2.3% YoY
66%
Non-Interest-Bearing Deposit Share ? 16.77%
-2.8% YoY +6.3% QoQ
-5.27% 22.03%
-0.6% YoY
22.74%
-2.6% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 1.08%
+31.4% YoY +14.4% QoQ
+0.41% 0.67%
+16.4% YoY
0.80%
+11.3% YoY
0.69%
+15.8% YoY
19%
Tier 1 Capital Ratio ? 14.19%
+4.6% YoY +0.8% QoQ
-1.72% 15.91%
+1.4% YoY
13.77%
-2.2% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.53%
-41.2% YoY +111.2% QoQ
-0.04% 0.57%
+7.6% YoY
0.38%
+2.4% YoY
0.66%
+5.2% YoY
Top 8.6% in tier

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 (MS) National Avg Tier Percentile
Noninterest-Bearing 16.8%
-0.5pp YoY
+1.0pp QoQ
 -5.4pp 22.1% 23.1% 22.2% 31%
Brokered Deposits n/a n/a 7.9% 3.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
C&I 9.8%
-1.8pp YoY
-0.2pp QoQ
 -1.7pp 11.6% 12.4% 12.5% 52%
CRE 37.8%
+0.6pp YoY
-0.3pp QoQ
 -1.7pp 39.5% 42.3% 41.4% 48%
1-4 Family 36.9%
+0.1pp YoY
0.0pp QoQ
 +4.3pp 32.6% 33.1% 31.3% 65%
Consumer 10.4%
-0.6pp YoY
-0.3pp QoQ
 +6.3pp 4.1% 5.6% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.5% 19.7% n/a
Leverage Ratio 14.2%
+0.6pp YoY
+0.1pp QoQ
 +2.0pp 12.2% 11.9% 12.6% 82%
Total Capital Ratio n/a n/a 19.9% 17.7% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Full-Time Employees 126
-2 (-1.6%) YoY
-5 (-3.8%) QoQ
 +67 58 297 482 94%
Assets per Employee ($) $4.5M
+8.8% YoY
+3.7% QoQ
 -$3.0M $7.5M $6.2M $8.8M 8%
Branch Count 12
0 YoY
0 QoQ
 +7 4 22 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.3% 0.4% 7%
Nonaccrual 1.7%
+0.4pp YoY
+0.2pp QoQ
 +0.8pp 0.9% 0.9% 1.0% 84%
Allowance Coverage 1.29x
-25.5% YoY
-14.1% QoQ
 -22.86x 24.15x 4.87x 20.23x 35%
Net Charge-off Rate (YTD) 0.2%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.1% 0.2% 84%

Profitability

Metric Current vs Tier Tier Avg State Avg (MS) National Avg Tier Percentile
ROE 13.3%
-4.6pp YoY
0.0pp QoQ
 +1.1pp 12.2% 11.7% 11.6% 58%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $4.9M
-16.7% YoY
— QoQ
 +$2.4M $2.6M $13.8M $40.4M 87%

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 (1)

Revenue Diversifier

growth
#199 of 661 • Top 30.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.53%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.78%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

Cost Spiral

risk
#26 of 138 • Bottom 18.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 58.22%
(Tier: 64.48%, National: 70.05%)
better than tier avg
138 of 138 Community banks match · 184 nationally
→ Stable +9 banks QoQ | QoQ rank improving

Margin Compression

decline
#184 of 307 • Bottom 59.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.78%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

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 (5 metrics)

229
Non-Interest Income / Assets
revenue_mix
Value: 0.53%
Peer Median: 0.57%
#229 of 2643 Top 8.6% in $100M-$1B
296
Net Interest Margin
profitability
Value: 4.84%
Peer Median: 3.99%
#296 of 2643 Top 11.2% in $100M-$1B
552
Return on Assets
profitability
Value: 1.78%
Peer Median: 1.32%
#552 of 2643 Top 20.8% in $100M-$1B
582
Total Deposits
size
Value: $481.21M
Peer Median: $326.73M
#582 of 2643 Top 22.0% in $100M-$1B
590
Total Assets
size
Value: $565.84M
Peer Median: $386.57M
#590 of 2643 Top 22.3% in $100M-$1B

Top Weaknesses (2 metrics)

2215
Delinquency Rate
credit_quality
Value: 1.73%
Peer Median: 0.92%
#2215 of 2633 Bottom 15.9% in $100M-$1B
2153
Nonperforming Asset Ratio
credit_quality
Value: 1.08%
Peer Median: 0.67%
#2153 of 2643 Bottom 18.6% in $100M-$1B
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