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Farmers and Merchants Bank

$100M-$1B Specialty: Commercial MD FDIC cert 1895

Upperco, MD

9 branches across MD

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 16 in MD.
  • Deposits -3.3% year over year ($725.7M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 0.97%.
  • Efficiency ratio 62.98% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.81% 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 16 in MD
View $100M-$1B leaderboard (MD) →

Farmers and Merchants Bank has 2 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

  • + Efficiency Ratio 1.50% below tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 24.3% in tier
  • - ROA 0.36% below tier average
  • - Net Interest Margin 0.52% below 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 (MD) National Avg Tier Percentile
Total Assets ? $874.5M
+3.9% YoY +1.3% QoQ
+$487.9M $386.6M
+1.2% YoY
$1.8B
+4.0% YoY
$6.3B
+7.7% YoY
Top 4.6% in tier
Total Loans ? $637.2M
+3.4% YoY +1.4% QoQ
+$378.9M $258.3M
+1.7% YoY
$1.3B
+3.8% YoY
$3.2B
+9.4% YoY
Top 4.6% in tier
Total Deposits ? $725.7M
-3.3% YoY +1.9% QoQ
+$399.0M $326.7M
+0.7% YoY
$1.6B
+4.1% YoY
$4.9B
+7.3% YoY
Top 5.1% in tier
Return on Assets ? 0.97%
+58.9% YoY +2.1% QoQ
-0.36% 1.32%
+10.8% YoY
0.92%
+12.6% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.46%
+15.1% YoY -0.3% QoQ
-0.52% 3.99%
+5.0% YoY
3.72%
+5.0% YoY
3.95%
+4.9% YoY
26%
Efficiency Ratio ? 62.98%
-14.0% YoY -0.5% QoQ
-1.50% 64.48%
-3.2% YoY
67.38%
-3.5% YoY
70.05%
+2.5% YoY
48%
Delinquency Rate ? 0.00%
-99.3% YoY -94.7% QoQ
-0.92% 0.92%
+15.7% YoY
1.07%
+9.6% YoY
0.98%
+16.3% YoY
Top 11.7% in tier
Loan-to-Deposit Ratio ? 87.81%
+6.9% YoY -0.5% QoQ
+9.86% 77.95%
+1.0% YoY
87.38%
+1.5% YoY
79.03%
+2.3% YoY
31%
Non-Interest-Bearing Deposit Share ? 18.06%
+9.1% YoY +0.5% QoQ
-3.97% 22.03%
-0.6% YoY
20.47%
+3.3% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 0.19%
-51.9% YoY -5.7% QoQ
-0.48% 0.67%
+16.4% YoY
0.90%
+8.0% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 12.09%
+7.7% YoY +0.9% QoQ
-3.82% 15.91%
+1.4% YoY
16.33%
+1.1% YoY
17.09%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.12%
+10.6% YoY +107.3% QoQ
-0.45% 0.57%
+7.6% YoY
0.25%
+1.8% YoY
0.66%
+5.2% YoY
24%

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 (MD) National Avg Tier Percentile
Noninterest-Bearing 18.1%
+1.5pp YoY
+0.1pp QoQ
 -4.1pp 22.1% 21.3% 22.2% 36%
Brokered Deposits 7.9%
-10.1pp YoY
-0.1pp QoQ
 0.0pp 7.9% 10.7% 8.5% 68%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
C&I 7.9%
-1.4pp YoY
0.0pp QoQ
 -3.7pp 11.6% 8.9% 12.5% 39%
CRE 78.7%
+1.2pp YoY
+0.1pp QoQ
 +39.2pp 39.5% 50.0% 41.4% 97%
1-4 Family 13.5%
+0.4pp YoY
-0.1pp QoQ
 -19.1pp 32.6% 37.9% 31.3% 17%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 3.2% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
CET1 Ratio 12.1%
+0.9pp YoY
+0.1pp QoQ
 -6.7pp 18.8% 16.4% 19.7% 18%
Leverage Ratio 10.0%
+0.6pp YoY
+0.3pp QoQ
 -2.2pp 12.2% 13.0% 12.6% 31%
Total Capital Ratio 12.8%
+0.9pp YoY
+0.1pp QoQ
 -7.2pp 19.9% 17.5% 20.8% 13%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Full-Time Employees 97
+1 (+1.0%) YoY
+8 (+9.0%) QoQ
 +38 58 170 482 86%
Assets per Employee ($) $9.0M
+2.8% YoY
-7.1% QoQ
 +$1.5M $7.5M $9.4M $8.8M 79%
Branch Count 9
0 YoY
0 QoQ
 +4 4 9 18 86%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 2%
Nonaccrual n/a n/a 0.9% 1.1% 1.0% n/a
Allowance Coverage 1129.50x
+15349.6% YoY
+1775.3% QoQ
 +1105.35x 24.15x 46.66x 20.23x 100%
Net Charge-off Rate (YTD) -0.0%
-0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
ROE 10.8%
+3.4pp YoY
+0.1pp QoQ
 -1.4pp 12.2% 8.0% 11.6% 42%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.9% 1.7% 70%
Net Income ($, YTD) $4.2M
+65.7% YoY
— QoQ
 +$1.6M $2.6M $8.4M $40.4M 82%

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)

Capital Constraint

risk
#27 of 107 • Bottom 24.3% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 87.81%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 12.09%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 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 (4 metrics)

122
Total Assets
size
Value: $874.47M
Peer Median: $386.57M
#122 of 2643 Top 4.6% in $100M-$1B
122
Total Loans
size
Value: $637.24M
Peer Median: $258.35M
#122 of 2643 Top 4.6% in $100M-$1B
136
Total Deposits
size
Value: $725.71M
Peer Median: $326.73M
#136 of 2643 Top 5.1% in $100M-$1B
310
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#310 of 2633 Top 11.7% in $100M-$1B

Top Weaknesses (1 metrics)

2013
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#2013 of 2643 Bottom 23.9% in $100M-$1B
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