BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Upperco, MD
9 branches across MD
Farmers and Merchants Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.99% below tier average
- + Delinquency Rate 0.88% below tier average
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 19.4% in tier
- - ROA 0.32% below tier average
- - Net Interest Margin 0.46% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$863.2M
+5.6% YoY
-1.1% QoQ
|
+$477.1M |
$386.1M
+0.5% YoY
|
$1.8B
+4.9% YoY
|
$6.2B
+9.1% YoY
|
Top 5.2% in tier |
| Total Loans ? |
$628.6M
+4.7% YoY
-0.8% QoQ
|
+$372.9M |
$255.7M
+1.1% YoY
|
$1.3B
+7.3% YoY
|
$3.2B
+10.8% YoY
|
Top 5.0% in tier |
| Total Deposits ? |
$712.4M
-3.3% YoY
-1.3% QoQ
|
+$384.4M |
$328.0M
+0.1% YoY
|
$1.6B
+7.4% YoY
|
$4.8B
+8.2% YoY
|
Top 6.1% in tier |
| Return on Assets ? |
0.95%
+59.3% YoY
+26.9% QoQ
|
-0.32% |
1.27%
+12.9% YoY
|
0.90%
+4.7% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.47%
+20.1% YoY
+9.7% QoQ
|
-0.46% |
3.93%
+6.0% YoY
|
3.69%
+5.2% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
63.30%
-15.5% YoY
-6.7% QoQ
|
-1.99% |
65.29%
-4.5% YoY
|
68.69%
-3.5% YoY
|
66.95%
-4.1% YoY
|
50% |
| Delinquency Rate ? |
0.01%
-97.3% YoY
|
-0.88% |
0.89%
+18.8% YoY
|
1.00%
+1.9% YoY
|
0.95%
+18.8% YoY
|
Top 14.1% in tier |
| Loan-to-Deposit Ratio ? |
88.25%
+8.3% YoY
+0.5% QoQ
|
+11.61% |
76.64%
+0.8% YoY
|
87.36%
+2.8% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
17.97%
+21.9% YoY
+6.0% QoQ
|
-4.05% |
22.02%
-1.0% YoY
|
20.21%
-0.6% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.20%
-56.3% YoY
+5.5% QoQ
|
-0.44% |
0.64%
+19.7% YoY
|
0.86%
+7.2% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
11.98%
+3.8% YoY
+2.8% QoQ
|
-3.85% |
15.83%
+1.5% YoY
|
16.27%
-0.9% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.06%
+11.3% YoY
-74.7% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.12%
-21.7% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (0)
Concerns (1)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.