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Farmers and Miners Bank

$100M-$1B Specialty: Commercial VA FDIC cert 22888

Pennington Gap, VA

6 branches across VA

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 23 in VA.
  • Deposits +7.4% year over year ($166.3M on the books).
  • Delinquency rate 0.32%.
  • Return on assets 1.63%.
  • Efficiency ratio 61.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 59.54% 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 23 in VA
View $100M-$1B leaderboard (VA) →

Farmers and Miners Bank has 4 strengths but faces 2 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

  • + Deposit Franchise: Top 29.9% in tier
  • + ROA 0.31% above tier average
  • + Efficiency Ratio 3.36% below tier average
  • + Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 29.0% in tier
  • - Credit Quality Pressure: Bottom 29.1% in tier
Get updates when Farmers and Miners Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Total Assets ? $193.2M
+7.4% YoY +1.3% QoQ
-$193.3M $386.6M
+1.2% YoY
$17.9B
+3.0% YoY
$6.3B
+7.7% YoY
25%
Total Loans ? $99.0M
+6.2% YoY +4.3% QoQ
-$159.3M $258.3M
+1.7% YoY
$10.9B
+3.1% YoY
$3.2B
+9.4% YoY
19%
Total Deposits ? $166.3M
+7.4% YoY +1.3% QoQ
-$160.4M $326.7M
+0.7% YoY
$14.1B
+3.2% YoY
$4.9B
+7.3% YoY
26%
Return on Assets ? 1.63%
+4.7% YoY +11.7% QoQ
+0.31% 1.32%
+10.8% YoY
1.34%
+70.7% YoY
1.30%
+12.1% YoY
72%
Net Interest Margin ? 4.88%
-0.4% YoY +1.0% QoQ
+0.90% 3.99%
+5.0% YoY
3.88%
+6.6% YoY
3.95%
+4.9% YoY
Top 10.2% in tier
Efficiency Ratio ? 61.12%
-2.7% YoY -4.0% QoQ
-3.36% 64.48%
-3.2% YoY
62.24%
-10.7% YoY
70.05%
+2.5% YoY
54%
Delinquency Rate ? 0.32%
+96.4% YoY +55.1% QoQ
-0.60% 0.92%
+15.7% YoY
0.72%
+0.1% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 59.54%
-1.2% YoY +2.9% QoQ
-18.41% 77.95%
+1.0% YoY
80.15%
+0.8% YoY
79.03%
+2.3% YoY
83%
Non-Interest-Bearing Deposit Share ? 37.59%
+0.2% YoY -0.5% QoQ
+15.56% 22.03%
-0.6% YoY
26.19%
+3.5% YoY
21.98%
-0.6% YoY
Top 6.5% in tier
Nonperforming Asset Ratio ? 0.16%
+94.1% YoY +59.6% QoQ
-0.50% 0.67%
+16.4% YoY
0.52%
-0.4% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 13.28%
-1.6% YoY -0.1% QoQ
-2.62% 15.91%
+1.4% YoY
16.58%
+3.9% YoY
17.09%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.31%
-0.7% YoY +102.9% QoQ
-0.26% 0.57%
+7.6% YoY
0.52%
+72.6% YoY
0.66%
+5.2% YoY
73%

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 (VA) National Avg Tier Percentile
Noninterest-Bearing 37.6%
+0.1pp YoY
-0.2pp QoQ
 +15.4pp 22.1% 26.2% 22.2% 93%
Brokered Deposits n/a n/a 7.9% 8.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
C&I 30.3%
-3.1pp YoY
-3.2pp QoQ
 +18.7pp 11.6% 11.0% 12.5% 96%
CRE 29.3%
+2.3pp YoY
+2.3pp QoQ
 -10.3pp 39.5% 46.9% 41.4% 33%
1-4 Family 27.5%
-1.3pp YoY
-1.2pp QoQ
 -5.1pp 32.6% 32.6% 31.3% 46%
Consumer 14.3%
+2.8pp YoY
+2.2pp QoQ
 +10.2pp 4.1% 8.0% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.2% 19.7% n/a
Leverage Ratio 13.3%
-0.2pp YoY
0.0pp QoQ
 +1.1pp 12.2% 12.2% 12.6% 77%
Total Capital Ratio n/a n/a 19.9% 18.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Full-Time Employees 51
-1 (-1.9%) YoY
-1 (-1.9%) QoQ
 -8 58 1,956 482 54%
Assets per Employee ($) $3.8M
+9.5% YoY
+3.3% QoQ
 -$3.7M $7.5M $9.9M $8.8M 3%
Branch Count 6
0 YoY
0 QoQ
 +1 4 28 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.2pp YoY
+0.1pp QoQ
 -0.1pp 0.3% 0.2% 0.4% 69%
Nonaccrual 0.1%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.7% 1.0% 17%
Allowance Coverage 4.91x
-51.4% YoY
-38.2% QoQ
 -19.24x 24.15x 9.47x 20.23x 70%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.2% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
ROE 12.4%
+0.5pp YoY
+1.3pp QoQ
 +0.3pp 12.2% 12.0% 11.6% 52%
Cost of Funds (YTD) 0.9%
-0.1pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 8%
Net Income ($, YTD) $1.5M
+11.1% YoY
— QoQ
 -$1.0M $2.6M $137.1M $40.4M 43%

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 (1)

Deposit Franchise

growth
#84 of 278 • Top 29.9% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 37.59%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.88%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Credit Risk Growth

risk
#272 of 936 • Bottom 29.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#367 of 1256 • Bottom 29.1% in tier

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

Why this signature
Delinquency Rate: 0.32%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

174
Non-Interest-Bearing Deposit Share
funding
Value: 37.59%
Peer Median: 22.03%
#174 of 2643 Top 6.5% in $100M-$1B
270
Net Interest Margin
profitability
Value: 4.88%
Peer Median: 3.99%
#270 of 2643 Top 10.2% in $100M-$1B
440
Loan-to-Deposit Ratio
liquidity
Value: 59.54%
Peer Median: 77.95%
#440 of 2643 Top 16.6% in $100M-$1B

Top Weaknesses (2 metrics)

2148
Total Loans
size
Value: $99.04M
Peer Median: $258.35M
#2148 of 2643 Bottom 18.8% in $100M-$1B
1984
Total Assets
size
Value: $193.23M
Peer Median: $386.57M
#1984 of 2643 Bottom 25.0% in $100M-$1B
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