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

2664 banks in the $100M-$1B peer group nationally 27 in SC

Farmers and Merchants Bank of South Carolina has 5 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

+ Revenue Diversifier: Top 44.0% in tier
+ Profitability Leader: Top 45.6% in tier
+ Efficiency Ratio 19.89% below tier average
+ Net Interest Margin 0.41% above tier average
+ Delinquency Rate 0.19% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 48.6% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$476.2M +14.4% YoY -3.9% QoQ	+$90.1M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	70%
Total Loans ?	$123.4M +1.7% YoY +0.2% QoQ	-$132.3M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$414.3M +13.9% YoY -4.8% QoQ	+$86.4M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	71%
Return on Assets ?	2.02% +16.1% YoY +36.8% QoQ	+0.75%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	Top 12.0% in tier
Net Interest Margin ?	4.34% +6.9% YoY +12.0% QoQ	+0.41%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	75%
Efficiency Ratio ?	45.40% -4.8% YoY -16.1% QoQ	-19.89%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	Top 9.3% in tier
Delinquency Rate ?	0.70% -18.0% YoY -3.5% QoQ	-0.19%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	29.77% -10.7% YoY +5.2% QoQ	-46.86%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	Top 1.7% in tier
Non-Interest-Bearing Deposit Share ?	26.07% -6.1% YoY +3.7% QoQ	+4.05%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.18% -27.1% YoY +0.5% QoQ	-0.46%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	61%
Tier 1 Capital Ratio ?	41.84% +9.8% YoY +3.5% QoQ	+26.01%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	Top 1.5% in tier
Non-Interest Income / Assets ?	0.17% +35.8% YoY -61.2% QoQ	-0.11%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	79%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (2)

Revenue Diversifier

growth

#294 of 666 • Top 44.0% 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: 0.17%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.02%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#305 of 666 • Top 45.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.02%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Liquidity Overhang

risk

#360 of 739 • Bottom 48.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 41.84%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 29.77%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Tier 1 Capital Ratio

capital

Value: 41.84%

Peer Median: 15.83%

#41 of 2664 Top 1.5% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 29.77%

Peer Median: 76.64%

#46 of 2664 Top 1.7% in $100M-$1B

249

Efficiency Ratio

profitability

Value: 45.40%

Peer Median: 65.29%

#249 of 2664 Top 9.3% in $100M-$1B

322

Return on Assets

profitability

Value: 2.02%

Peer Median: 1.27%

#322 of 2664 Top 12.0% in $100M-$1B

556

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#556 of 2664 Top 20.8% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available