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Farmers and Mechanics Federal Savings Bank

$100M-$1B Specialty: Other IN FDIC cert 28478

Designations: ✓ Mutual

Bloomfield, IN

4 branches across IN

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 60 in IN.
  • Deposits -0.2% year over year ($105.8M on the books).
  • Delinquency rate 0.00%.
  • Return on assets -0.25%.
  • Efficiency ratio 108.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.04% 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 60 in IN
View $100M-$1B leaderboard (IN) →

Farmers and Mechanics Federal Savings Bank has 1 strength but faces 4 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

  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 1.57% below tier average
  • - Net Interest Margin 1.13% below tier average
  • - Efficiency Ratio 43.56% above tier average
  • - Non-Interest-Bearing Deposit Share 12.97% below tier average
Get updates when Farmers and Mechanics Federal Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Total Assets ? $113.6M
-3.1% YoY -2.0% QoQ
-$273.0M $386.6M
+1.2% YoY
$2.5B
+3.7% YoY
$6.3B
+7.7% YoY
Bottom 3.6% in tier
Total Loans ? $64.6M
-4.1% YoY -1.4% QoQ
-$193.8M $258.3M
+1.7% YoY
$1.8B
+5.7% YoY
$3.2B
+9.4% YoY
Bottom 5.4% in tier
Total Deposits ? $105.8M
-0.2% YoY -2.4% QoQ
-$221.0M $326.7M
+0.7% YoY
$2.0B
+3.4% YoY
$4.9B
+7.3% YoY
Bottom 7.3% in tier
Return on Assets ? -0.25%
+13.1% YoY -32.9% QoQ
-1.57% 1.32%
+10.8% YoY
1.07%
+3.3% YoY
1.30%
+12.1% YoY
Bottom 2.5% in tier
Net Interest Margin ? 2.85%
+7.7% YoY +1.2% QoQ
-1.13% 3.99%
+5.0% YoY
3.70%
+8.1% YoY
3.95%
+4.9% YoY
Bottom 6.7% in tier
Efficiency Ratio ? 108.04%
-1.6% YoY +1.9% QoQ
+43.56% 64.48%
-3.2% YoY
77.20%
+13.2% YoY
70.05%
+2.5% YoY
Bottom 1.6% in tier
Delinquency Rate ? 0.00%
-100.0% YoY -100.0% QoQ
-0.92% 0.92%
+15.7% YoY
0.91%
+27.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 61.04%
-4.0% YoY +1.0% QoQ
-16.91% 77.95%
+1.0% YoY
81.91%
+1.2% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 9.06%
-17.4% YoY -6.1% QoQ
-12.97% 22.03%
-0.6% YoY
16.57%
-2.9% YoY
21.98%
-0.6% YoY
Bottom 8.8% in tier
Nonperforming Asset Ratio ? 0.77%
-9.7% YoY -2.9% QoQ
+0.10% 0.67%
+16.4% YoY
0.69%
+42.1% YoY
0.69%
+15.8% YoY
28%
Tier 1 Capital Ratio ? 11.76%
+6.7% YoY +5.4% QoQ
-4.15% 15.91%
+1.4% YoY
16.20%
+1.2% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.20%
+55.8% YoY +74.7% QoQ
-0.36% 0.57%
+7.6% YoY
1.78%
-1.3% YoY
0.66%
+5.2% YoY
51%

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 (IN) National Avg Tier Percentile
Noninterest-Bearing 9.1%
-1.9pp YoY
-0.6pp QoQ
 -13.1pp 22.1% 16.8% 22.2% 8%
Brokered Deposits 9.2%
+1.9pp YoY
+0.2pp QoQ
 +1.3pp 7.9% 7.2% 8.5% 72%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
C&I 16.2%
+1.2pp YoY
+7.7pp QoQ
 +4.6pp 11.6% 11.1% 12.5% 80%
CRE n/a n/a 39.5% 36.2% 41.4% n/a
1-4 Family 69.6%
+7.3pp YoY
+4.4pp QoQ
 +37.0pp 32.6% 40.0% 31.3% 94%
Consumer 1.2%
+0.2pp YoY
+0.1pp QoQ
 -2.9pp 4.1% 3.2% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
CET1 Ratio 11.8%
+0.7pp YoY
+0.6pp QoQ
 -7.1pp 18.8% 17.5% 19.7% 14%
Leverage Ratio 6.8%
+0.1pp YoY
0.0pp QoQ
 -5.4pp 12.2% 13.0% 12.6% 0%
Total Capital Ratio 12.2%
+0.8pp YoY
+0.5pp QoQ
 -7.8pp 19.9% 18.7% 20.8% 8%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Full-Time Employees 20
+2 (+11.1%) YoY
0 QoQ
 -39 58 237 482 11%
Assets per Employee ($) $5.7M
-12.8% YoY
-2.0% QoQ
 -$1.8M $7.5M $7.5M $8.8M 27%
Branch Count 4
0 YoY
0 QoQ
 -1 4 17 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual n/a n/a 0.9% 0.8% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 6.71x 20.23x n/a
Net Charge-off Rate (YTD) 0.2% +0.1pp 0.1% 0.1% 0.2% 87%

Profitability

Metric Current vs Tier Tier Avg State Avg (IN) National Avg Tier Percentile
ROE -5.4%
+2.1pp YoY
-1.3pp QoQ
 -17.6pp 12.2% 11.2% 11.6% 2%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 58%
Net Income ($, YTD) $-145000.0
+15.7% YoY
— QoQ
 -$2.7M $2.6M $16.3M $40.4M 3%

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 (0)

No matched concern signatures this quarter

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 (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
492
Loan-to-Deposit Ratio
liquidity
Value: 61.04%
Peer Median: 77.95%
#492 of 2643 Top 18.6% in $100M-$1B

Top Weaknesses (7 metrics)

2601
Efficiency Ratio
profitability
Value: 108.04%
Peer Median: 64.48%
#2601 of 2643 Bottom 1.6% in $100M-$1B
2579
Return on Assets
profitability
Value: -0.25%
Peer Median: 1.32%
#2579 of 2643 Bottom 2.5% in $100M-$1B
2548
Total Assets
size
Value: $113.59M
Peer Median: $386.57M
#2548 of 2643 Bottom 3.6% in $100M-$1B
2500
Total Loans
size
Value: $64.56M
Peer Median: $258.35M
#2500 of 2643 Bottom 5.4% in $100M-$1B
2467
Net Interest Margin
profitability
Value: 2.85%
Peer Median: 3.99%
#2467 of 2643 Bottom 6.7% in $100M-$1B
2451
Total Deposits
size
Value: $105.77M
Peer Median: $326.73M
#2451 of 2643 Bottom 7.3% in $100M-$1B
2412
Non-Interest-Bearing Deposit Share
funding
Value: 9.06%
Peer Median: 22.03%
#2412 of 2643 Bottom 8.8% in $100M-$1B
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