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Farmers and Merchants Bank

$100M-$1B Specialty: Other TX FDIC cert 3170

De Leon, TX

7 branches across TX

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 219 in TX.
  • Deposits +10.2% year over year ($232.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.49%.
  • Efficiency ratio 56.83% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.75% 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 219 in TX
View $100M-$1B leaderboard (TX) →

Farmers and Merchants Bank shows strong momentum with 5 strengths and 10.6% YoY asset growth

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

  • + Credit Quality Leader: Top 41.7% in tier
  • + Deposit Franchise: Top 70.5% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.17% above tier average
  • + Efficiency Ratio 7.65% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Farmers and Merchants Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $269.8M
+10.6% YoY +5.4% QoQ
-$116.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
41%
Total Loans ? $146.1M
+16.5% YoY +4.9% QoQ
-$112.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $232.9M
+10.2% YoY +6.0% QoQ
-$93.8M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 1.49%
+2.7% YoY +2.7% QoQ
+0.17% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
65%
Net Interest Margin ? 4.55%
-5.0% YoY +0.6% QoQ
+0.56% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
81%
Efficiency Ratio ? 56.83%
-4.6% YoY -2.5% QoQ
-7.65% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
67%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 62.75%
+5.8% YoY -1.0% QoQ
-15.20% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 35.07%
-12.3% YoY -6.0% QoQ
+13.04% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 9.8% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.97%
-7.3% YoY -2.5% QoQ
-3.94% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
36%
Non-Interest Income / Assets ? 0.20%
+15.2% YoY +91.9% QoQ
-0.37% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
49%

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 (TX) National Avg Tier Percentile
Noninterest-Bearing 35.1%
-4.9pp YoY
-2.2pp QoQ
 +12.9pp 22.1% 29.2% 22.2% 90%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 8.3%
+2.9pp YoY
+4.1pp QoQ
 -3.3pp 11.6% 14.8% 12.5% 42%
CRE 35.5%
+9.1pp YoY
+2.5pp QoQ
 -4.1pp 39.5% 48.4% 41.4% 44%
1-4 Family 32.6%
-5.2pp YoY
-2.5pp QoQ
 0.0pp 32.6% 25.8% 31.3% 57%
Consumer 1.6%
-1.2pp YoY
-0.3pp QoQ
 -2.5pp 4.1% 4.7% 5.0% 41%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 12.0%
-0.9pp YoY
-0.3pp QoQ
 -0.2pp 12.2% 12.6% 12.6% 65%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 51
+5 (+10.9%) YoY
+4 (+8.5%) QoQ
 -8 58 186 482 54%
Assets per Employee ($) $5.3M
-0.2% YoY
-2.8% QoQ
 -$2.2M $7.5M $10.1M $8.8M 19%
Branch Count 7
0 YoY
0 QoQ
 +2 4 12 18 75%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.3%
+0.3pp YoY
+0.3pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 90%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 11.5%
+0.7pp YoY
+0.5pp QoQ
 -0.7pp 12.2% 13.2% 11.6% 46%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.6% 1.7% 18%
Net Income ($, YTD) $1.9M
+31.4% YoY
— QoQ
 -$638K $2.6M $15.9M $40.4M 50%

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 (2)

Credit Quality Leader

growth
#276 of 659 • Top 41.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Deposit Franchise

growth
#197 of 278 • Top 70.5% 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: 35.07%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 4.55%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank declining

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 (5 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
260
Non-Interest-Bearing Deposit Share
funding
Value: 35.07%
Peer Median: 22.03%
#260 of 2643 Top 9.8% in $100M-$1B
495
Net Interest Margin
profitability
Value: 4.55%
Peer Median: 3.99%
#495 of 2643 Top 18.7% in $100M-$1B
542
Loan-to-Deposit Ratio
liquidity
Value: 62.75%
Peer Median: 77.95%
#542 of 2643 Top 20.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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