BlastPoint's Banking Scorecard

Farmers and Merchants Bank of South Carolina

$100M-$1B Specialty: Other SC FDIC cert 1660

Holly Hill, SC

8 branches across SC

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 27 in SC.
Deposits -1.3% year over year ($350.8M on the books).
Delinquency rate 0.75%.
Return on assets 1.80%.
Efficiency ratio 48.61% vs a 64.48% peer average.
Loan-to-deposit ratio 34.67% 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 27 in SC

View $100M-$1B leaderboard (SC) →

Farmers and Merchants Bank of South Carolina has 4 strengths but faces 1 concern

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

+ ROA 0.48% above tier average
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 15.87% below tier average
+ Delinquency Rate 0.17% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 37.2% in tier

Get updates when Farmers and Merchants Bank of South Carolina releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$413.6M +0.8% YoY -13.2% QoQ	+$27.0M	$386.6M +1.2% YoY	$1.5B +5.6% YoY	$6.3B +7.7% YoY	63%
Total Loans ?	$121.6M -1.2% YoY -1.4% QoQ	-$136.7M	$258.3M +1.7% YoY	$1.0B +7.6% YoY	$3.2B +9.4% YoY	26%
Total Deposits ?	$350.8M -1.3% YoY -15.3% QoQ	+$24.1M	$326.7M +0.7% YoY	$1.3B +2.8% YoY	$4.9B +7.3% YoY	63%
Return on Assets ?	1.80% +9.0% YoY -10.8% QoQ	+0.48%	1.32% +10.8% YoY	1.14% +28.2% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	4.14% +2.6% YoY -4.5% QoQ	+0.16%	3.99% +5.0% YoY	3.68% +4.4% YoY	3.95% +4.9% YoY	62%
Efficiency Ratio ?	48.61% -3.8% YoY +7.1% QoQ	-15.87%	64.48% -3.2% YoY	67.24% -4.2% YoY	70.05% +2.5% YoY	Top 14.2% in tier
Delinquency Rate ?	0.75% +17.7% YoY +7.8% QoQ	-0.17%	0.92% +15.7% YoY	0.46% -16.5% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	34.67% +0.1% YoY +16.4% QoQ	-43.28%	77.95% +1.0% YoY	74.60% +2.0% YoY	79.03% +2.3% YoY	Top 2.6% in tier
Non-Interest-Bearing Deposit Share ?	32.33% +3.2% YoY +24.0% QoQ	+10.30%	22.03% -0.6% YoY	21.25% -0.8% YoY	21.98% -0.6% YoY	Top 13.8% in tier
Nonperforming Asset Ratio ?	0.22% +15.4% YoY +22.4% QoQ	-0.45%	0.67% +16.4% YoY	0.29% -15.5% YoY	0.69% +15.8% YoY	59%
Tier 1 Capital Ratio ?	42.67% +8.9% YoY +2.0% QoQ	+26.76%	15.91% +1.4% YoY	17.16% +0.2% YoY	17.09% +0.8% YoY	Top 1.4% in tier
Non-Interest Income / Assets ?	0.32% +26.4% YoY +91.4% QoQ	-0.24%	0.57% +7.6% YoY	0.29% +23.1% YoY	0.66% +5.2% YoY	76%

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 (SC)	National Avg	Tier Percentile
Noninterest-Bearing	32.3% +1.0pp YoY +6.3pp QoQ	+10.2pp	22.1%	21.7%	22.2%	86%
Brokered Deposits	n/a	n/a	7.9%	10.6%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
C&I	4.4% +1.0pp YoY -0.1pp QoQ	-7.1pp	11.6%	9.8%	12.5%	16%
CRE	66.4% -1.5pp YoY -1.3pp QoQ	+26.9pp	39.5%	43.3%	41.4%	90%
1-4 Family	22.8% +1.6pp YoY +1.4pp QoQ	-9.9pp	32.6%	44.4%	31.3%	36%
Consumer	4.8% -0.9pp YoY -0.1pp QoQ	+0.7pp	4.1%	4.5%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
CET1 Ratio	42.7% +3.5pp YoY +0.8pp QoQ	+23.8pp	18.8%	18.1%	19.7%	98%
Leverage Ratio	16.6% +1.0pp YoY +4.3pp QoQ	+4.4pp	12.2%	12.3%	12.6%	92%
Total Capital Ratio	43.4% +3.5pp YoY +0.8pp QoQ	+23.5pp	19.9%	19.1%	20.8%	98%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Full-Time Employees	69 -1 (-1.4%) YoY 0 QoQ	+10	58	174	482	70%
Assets per Employee ($)	$6.0M +2.2% YoY -13.2% QoQ	-$1.5M	$7.5M	$7.8M	$8.8M	33%
Branch Count	8 0 YoY 0 QoQ	+3	4	12	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.0%	0.4%	14%
Nonaccrual	0.7% +0.1pp YoY +0.1pp QoQ	-0.2pp	0.9%	0.5%	1.0%	64%
Allowance Coverage	1.35x -16.2% YoY -7.9% QoQ	-22.81x	24.15x	15.59x	20.23x	36%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	0.0pp	0.1%	0.1%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
ROE	13.8% -1.1pp YoY -2.6pp QoQ	+1.6pp	12.2%	11.7%	11.6%	60%
Cost of Funds (YTD)	0.3% 0.0pp YoY 0.0pp QoQ	-1.5pp	1.7%	1.6%	1.7%	1%
Net Income ($, YTD)	$4.2M +10.4% YoY — QoQ	+$1.6M	$2.6M	$9.6M	$40.4M	82%

Get Full Access to Farmers and Merchants Bank of South Carolina

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Credit Quality Pressure

risk

#468 of 1256 • Bottom 37.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.75%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

Tier 1 Capital Ratio

capital

Value: 42.67%

Peer Median: 15.91%

#39 of 2643 Top 1.4% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 34.67%

Peer Median: 77.95%

#69 of 2643 Top 2.6% in $100M-$1B

365

Non-Interest-Bearing Deposit Share

funding

Value: 32.33%

Peer Median: 22.03%

#365 of 2643 Top 13.8% in $100M-$1B

376

Efficiency Ratio

profitability

Value: 48.61%

Peer Median: 64.48%

#376 of 2643 Top 14.2% in $100M-$1B

526

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.32%

#526 of 2643 Top 19.9% in $100M-$1B

636

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.57%

#636 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available