BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Granite Quarry, NC
12 branches across NC
Farmers & Merchants Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12.9% in tier
- + Profitability Leader: Top 22.2% in tier
- + Deposit Franchise: Top 55.1% in tier
- + Efficiency Ratio 17.10% below tier average
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.1% in tier
- - Liquidity Overhang: Bottom 35.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$985.6M
+6.5% YoY
+2.1% QoQ
|
+$599.5M |
$386.1M
+0.5% YoY
|
$92.4B
+2.4% YoY
|
$6.2B
+9.1% YoY
|
Top 0.5% in tier |
| Total Loans ? |
$516.2M
+0.4% YoY
-0.8% QoQ
|
+$260.4M |
$255.7M
+1.1% YoY
|
$45.0B
+8.2% YoY
|
$3.2B
+10.8% YoY
|
Top 9.6% in tier |
| Total Deposits ? |
$831.1M
+6.2% YoY
+2.1% QoQ
|
+$503.1M |
$328.0M
+0.1% YoY
|
$72.8B
+2.6% YoY
|
$4.8B
+8.2% YoY
|
Top 1.3% in tier |
| Return on Assets ? |
2.48%
+13.4% YoY
+10.6% QoQ
|
+1.21% |
1.27%
+12.9% YoY
|
0.99%
+29.5% YoY
|
1.23%
+13.4% YoY
|
Top 4.8% in tier |
| Net Interest Margin ? |
5.00%
-2.7% YoY
-3.4% QoQ
|
+1.07% |
3.93%
+6.0% YoY
|
3.42%
+5.0% YoY
|
3.89%
+5.7% YoY
|
Top 7.1% in tier |
| Efficiency Ratio ? |
48.18%
-9.0% YoY
-7.6% QoQ
|
-17.10% |
65.29%
-4.5% YoY
|
69.88%
-8.6% YoY
|
66.95%
-4.1% YoY
|
Top 12.8% in tier |
| Delinquency Rate ? |
0.68%
+7.7% YoY
+6.8% QoQ
|
-0.21% |
0.89%
+18.8% YoY
|
0.64%
+21.6% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
62.11%
-5.4% YoY
-2.9% QoQ
|
-14.53% |
76.64%
+0.8% YoY
|
79.67%
+1.0% YoY
|
76.70%
+0.9% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
31.54%
-5.9% YoY
+2.3% QoQ
|
+9.52% |
22.02%
-1.0% YoY
|
18.50%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-26.5% YoY
-24.2% QoQ
|
-0.28% |
0.64%
+19.7% YoY
|
0.45%
+20.5% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
25.47%
+8.5% YoY
+3.7% QoQ
|
+9.64% |
15.83%
+1.5% YoY
|
20.13%
+3.0% YoY
|
17.06%
+0.8% YoY
|
Top 6.1% in tier |
| Non-Interest Income / Assets ? |
0.29%
+24.8% YoY
-70.0% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.21%
+7.3% YoY
|
0.32%
+4.1% YoY
|
Top 6.9% in tier |
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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 (3)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.