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The Farmers & Merchants Bank

$1B-$10B Specialty: Commercial AR FDIC cert 16216

Designations: ✓ Community bank

Stuttgart, AR

21 branches across AR

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 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in AR.
  • Deposits +11.2% year over year ($1.7B on the books).
  • Delinquency rate 0.39%.
  • Return on assets 1.07%.
  • Efficiency ratio 63.94% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.25% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in AR
View $1B-$10B leaderboard (AR) →

The Farmers & Merchants Bank has 2 strengths but faces 4 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

  • + Net Interest Margin 0.14% above tier average
  • + Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 26.1% in tier
  • - Credit Risk Growth: Bottom 27.1% in tier
  • - ROA 0.32% below tier average
  • - Efficiency Ratio 4.21% above tier average
Get updates when The Farmers & Merchants Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Total Assets ? $2.0B
+6.3% YoY +1.2% QoQ
-$778.2M $2.8B
-0.6% YoY
$2.4B
+2.9% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $1.4B
+5.8% YoY +2.7% QoQ
-$549.4M $2.0B
-0.3% YoY
$1.7B
+5.8% YoY
$3.2B
+9.4% YoY
51%
Total Deposits ? $1.7B
+11.2% YoY +0.7% QoQ
-$599.9M $2.3B
-0.5% YoY
$2.0B
+2.5% YoY
$4.9B
+7.3% YoY
52%
Return on Assets ? 1.07%
+5.9% YoY +1.8% QoQ
-0.32% 1.39%
+17.0% YoY
1.32%
+8.9% YoY
1.30%
+12.1% YoY
35%
Net Interest Margin ? 4.01%
+8.7% YoY +1.4% QoQ
+0.14% 3.87%
+6.2% YoY
4.10%
+6.0% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 63.94%
+0.6% YoY -0.7% QoQ
+4.21% 59.73%
-12.6% YoY
61.09%
-4.5% YoY
70.05%
+2.5% YoY
35%
Delinquency Rate ? 0.39%
+44.5% YoY -26.8% QoQ
-0.47% 0.87%
+11.7% YoY
1.05%
+22.1% YoY
0.98%
+16.3% YoY
62%
Loan-to-Deposit Ratio ? 82.25%
-4.9% YoY +2.0% QoQ
-2.79% 85.04%
-0.1% YoY
82.37%
+1.8% YoY
79.03%
+2.3% YoY
63%
Non-Interest-Bearing Deposit Share ? 14.45%
-9.0% YoY -2.7% QoQ
-6.82% 21.27%
-1.5% YoY
19.62%
+0.3% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.29%
+39.2% YoY -24.6% QoQ
-0.38% 0.67%
+11.7% YoY
0.84%
+30.0% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 9.79%
-0.4% YoY -0.7% QoQ
-5.05% 14.84%
-0.4% YoY
13.64%
+0.9% YoY
17.09%
+0.8% YoY
Bottom 4.2% in tier
Non-Interest Income / Assets ? 0.35%
-34.8% YoY +118.4% QoQ
-0.17% 0.53%
+2.5% YoY
0.36%
-4.6% YoY
0.66%
+5.2% YoY
63%

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 (AR) National Avg Tier Percentile
Noninterest-Bearing 14.5%
-1.4pp YoY
-0.4pp QoQ
 -6.9pp 21.4% 19.6% 22.2% 25%
Brokered Deposits 4.6%
+3.4pp YoY
0.0pp QoQ
 -4.8pp 9.5% 7.2% 8.5% 47%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
C&I 12.1%
-0.7pp YoY
-0.6pp QoQ
 -1.9pp 14.0% 12.7% 12.5% 55%
CRE 41.5%
-1.6pp YoY
-1.5pp QoQ
 -8.6pp 50.0% 41.0% 41.4% 28%
1-4 Family 21.2%
0.0pp YoY
-0.1pp QoQ
 -5.2pp 26.4% 28.1% 31.3% 45%
Consumer 3.6%
-0.1pp YoY
-0.2pp QoQ
 -1.1pp 4.7% 4.5% 5.0% 77%

Capital

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 15.1% 19.7% n/a
Leverage Ratio 9.8%
0.0pp YoY
-0.1pp QoQ
 -1.5pp 11.3% 11.9% 12.6% 31%
Total Capital Ratio n/a n/a 16.7% 16.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Full-Time Employees 295
+15 (+5.4%) YoY
+8 (+2.8%) QoQ
 -19 313 315 482 64%
Assets per Employee ($) $6.8M
+0.9% YoY
-1.5% QoQ
 -$3.7M $10.5M $6.7M $8.8M 22%
Branch Count 21
0 YoY
0 QoQ
 +1 20 25 18 68%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.1% 0.4% n/a
Nonaccrual 0.4%
+0.1pp YoY
-0.1pp QoQ
 -0.4pp 0.8% 1.1% 1.0% 39%
Allowance Coverage 3.34x
-25.3% YoY
+38.9% QoQ
 -15.37x 18.71x 4.69x 20.23x 67%
Net Charge-off Rate (YTD) 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.2% 28%

Profitability

Metric Current vs Tier Tier Avg State Avg (AR) National Avg Tier Percentile
ROE 9.6%
+0.3pp YoY
+0.2pp QoQ
 -3.0pp 12.6% 12.3% 11.6% 30%
Cost of Funds (YTD) 2.0%
-0.1pp YoY
0.0pp QoQ
 +0.1pp 1.9% 2.0% 1.7% 59%
Net Income ($, YTD) $10.6M
+13.4% YoY
— QoQ
 -$8.6M $19.2M $16.0M $40.4M 42%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#59 of 222 • Bottom 26.1% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.79%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Credit Risk Growth

risk
#110 of 402 • Bottom 27.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

849
Tier 1 Capital Ratio
capital
Value: 9.79%
Peer Median: 14.84%
#849 of 885 Bottom 4.2% in $1B-$10B
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