BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Baldwyn, MS
12 branches across MS
Farmers and Merchants Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30.9% in tier
- + ROA 0.50% above tier average
- + Net Interest Margin 0.89% above tier average
- + Efficiency Ratio 5.94% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.5% in tier
- - Cost Spiral: Bottom 27.8% in tier
- - Margin Compression: Bottom 37.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$567.1M
+1.4% YoY
+8.4% QoQ
|
+$181.0M |
$386.1M
+0.5% YoY
|
$2.3B
+11.5% YoY
|
$6.2B
+9.1% YoY
|
78% |
| Total Loans ? |
$334.3M
+3.2% YoY
-1.7% QoQ
|
+$78.6M |
$255.7M
+1.1% YoY
|
$1.5B
+13.2% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$486.4M
+6.9% YoY
+9.6% QoQ
|
+$158.5M |
$328.0M
+0.1% YoY
|
$1.9B
+10.5% YoY
|
$4.8B
+8.2% YoY
|
78% |
| Return on Assets ? |
1.77%
-20.6% YoY
+9.1% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.16%
+5.3% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
4.82%
+7.5% YoY
-0.5% QoQ
|
+0.89% |
3.93%
+6.0% YoY
|
3.97%
+6.6% YoY
|
3.89%
+5.7% YoY
|
Top 10.5% in tier |
| Efficiency Ratio ? |
59.34%
+12.8% YoY
-0.0% QoQ
|
-5.94% |
65.29%
-4.5% YoY
|
67.65%
-1.2% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
1.56%
+16.2% YoY
-3.3% QoQ
|
+0.67% |
0.89%
+18.8% YoY
|
1.06%
+2.0% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
68.73%
-3.4% YoY
-10.3% QoQ
|
-7.91% |
76.64%
+0.8% YoY
|
70.20%
+3.2% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
15.77%
-8.5% YoY
-7.1% QoQ
|
-6.25% |
22.02%
-1.0% YoY
|
22.68%
-1.8% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.94%
-20.1% YoY
-11.0% QoQ
|
+0.30% |
0.64%
+19.7% YoY
|
0.74%
+0.7% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
14.07%
+7.8% YoY
-2.1% QoQ
|
-1.76% |
15.83%
+1.5% YoY
|
13.90%
-1.0% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.25%
-46.1% YoY
-83.7% QoQ
|
-0.03% |
0.28%
+9.3% YoY
|
0.17%
-9.5% YoY
|
0.32%
+4.1% YoY
|
Top 9.1% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.