BlastPoint's Banking Scorecard

Farmers and Merchants Bank

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

De Leon, TX

7 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Farmers and Merchants Bank shows strong momentum with 5 strengths and 39.4% 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 44.6% in tier
+ Deposit Franchise: Top 59.6% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.18% above tier average
+ Efficiency Ratio 7.00% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$255.9M +39.4% YoY +4.4% QoQ	-$130.2M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$139.3M +42.9% YoY +1.1% QoQ	-$116.4M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$219.8M +40.7% YoY +4.8% QoQ	-$108.2M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.45% +14.3% YoY -13.3% QoQ	+0.18%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.52% +0.6% YoY -6.4% QoQ	+0.59%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	58.28% -5.8% YoY -0.6% QoQ	-7.00%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	63.39% +1.6% YoY -3.5% QoQ	-13.25%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	77%
Non-Interest-Bearing Deposit Share ?	37.31% -11.2% YoY -2.9% QoQ	+15.29%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 7.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.27% -18.3% YoY -2.0% QoQ	-3.56%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.10% +13.4% YoY -74.6% QoQ	-0.18%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	54%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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

#297 of 664 • Top 44.6% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Deposit Franchise

growth

#163 of 272 • Top 59.6% 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: 37.31%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.52%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

194

Non-Interest-Bearing Deposit Share

funding

Value: 37.31%

Peer Median: 22.02%

#194 of 2664 Top 7.2% in $100M-$1B

468

Net Interest Margin

profitability

Value: 4.52%

Peer Median: 3.93%

#468 of 2664 Top 17.5% in $100M-$1B

611

Loan-to-Deposit Ratio

liquidity

Value: 63.39%

Peer Median: 76.64%

#611 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available